Paul - Yes, HAP40 is going to be a little more prone to chipping than softer steels. If you use the knife properly, stay away from hard ingredients(i.e. partially frozen food) and bones(even scrapping alongside a bone is a bad idea) you should be able to prevent chipping in a home environment. No using it to pry, opening boxes with it, or as a screw driver either!
Now, micro-chipping(different than chipping) on the other hand is inevitable with higher hardness steels. When steel reaches it's failure point through usage either it breaks(micro-chips) or bends(rolls an edge). The higher the hardness the less likely steel is to bend and more likely it is to break. The inverse is true of softer steels. Whether Microchips are a big deal to you and worth it for the increased edge retention is highly personal preference.
If this is your first foray into J-knives I would highly encourage you to pick a knife based on a myriad of things other than steel(weight, blade height, handle, etc.). All knives will get dull eventually.
HAP40 may be perfect you, but there are a number of fantastic knives in that price range that might be a better fit for you(Kono, AS laser, TKC).
If you are set on HAP40 I would pull the trigger sooner rather than later, they are not going to last long. If you would like to explore other options let us know. We love knife talk