In which case you have a real ground fault problem that needs to be addressed. But it has nothing to do with startup current.
In any case with a 40 amp circuit breaker you would have an instantaneous trip that's considerably below 640 amps. With the GFPE delay of a tenth of a second you would think that the 40 amp breaker would trip first.
Petersonra, I agree with the first two sentences, but not the rest.
Ok we have been down this road so many times. I tried to find a past post I wrote earlier on this subject but failed. So again, here is my two cents.
First, I can't tell you haw many times a cust calls and said main bkr tripped on GF. Something is wrong with it, can you test it? I ask any work done
in the high rise lately? Any reports of equipment failures? He says just electrician changing light ballasts (277V lighting) who was doing it hot. I go there find the 20A branch breaker tripped in the branch panel in the room he was working in. The main that tripped on GF was 20 or 30 stories down in the basement. The main settings were typically set at 400A @ 0.5 sec on a 4000A bkr. Ok so the shorted hot to ground on the ltg ballast tripped the 20A bkr on inst trip and also went down to the main bkr and tripped it on GF. Nothing wrong with his GF system, just doing it's job.
Senario #2
An old chiller on the roof of another bldg started having problems. One day the 3000A main trips on GF in basement. Find out the start contactor on chiller was arc welded closed. Turned out the compressor motor winding went to ground, tripped the chiller main and took out the main on GF.
Bottom line: a GF in a poorly designed system (due to economics!) will only have 1 level of GF protection: main breaker only! And the reason is that it has to be there by code on a 480V system greater than 1000A, if my memory serves me (I am not a code guy.) And without it and without a field acceptance test on the main bkr GF system by a 3rd party testing co it will not pass inspection by the AHJ and cannot be turned on.
So in this case the OP was on the right track when he suspected the HVAC unit on the roof causing the main to trip. In so many cases it is race and the bkrs in the path of the GF will ALL trip till it reaches the main GF protection. It is a race of OC trips!
Since there is no way to coordinate instantaneous or GF tripping of breakers in series, the only solution I see is to add secondary or a third level of GF protection to limit the outage to a specific area. This is rarely done due to the costs.
One last point. Yes the minimum settings shown on the Main bkr are an indication that they are factory default setting (liability) and a proper startup/commissioning was not performed on this equipment. But experience has shown that even with the proper settings from the engineer, the tripping would still occur.
Ok I will stop rambling and will be interested in hearing any comments on this subject.