There are a lot of questions and answers about speed falling into a black hole, none of them answer my question. Most of them only talk about speeds outside the event horizon. The only relevant answer's last paragraph is by John Rennie:
Will an object always fall at an infinite speed in a black hole?
But this does not answer my question.
Outside the black hole, the postulates of SR assure us, that the photon always wins over the neutrino in vacuum, when measured locally.
Now inside the event horizon of the black hole, this is not so simple. There are no inertial frames of reference at all, and honestly I am not even sure whether the postulates of SR still hold. The only inertial frame would be the singularity, but that is not well defined in my understanding.
Now if we shoot a photon and a neutrino (starting together) from the event horizon to the singularity (since the singularity might not be a point in space, but rather in time, let's shoot them perpendicular to the surface of the horizon, towards the "center") we can still calculate the time for the neutrino, being massive.
Calculating the lapsed time to fall from the horizon to the singularity of an existing black hole is a standard exercise in GR, and the result is: $$ \tau \approx 6.57 \frac{M}{M_{Sun}} \mu s $$ That is, for a black hole of 10 solar masses the fall takes 65.7 microseconds!
So it is possible in this example to see how fast the neutrino reaches the singularity. Now we would just have to do the same for the photon, but here we encounter some problems.
If you want to know how much time a material object like a rock takes to hit the singularity, the most natural way of defining this is to ask how much time will elapse on a clock attached to the rock. The answer is then a finite number that depends on the size of the black hole. It isn't infinite. In your example of a photon, we don't have this option. We can't duct-tape a clock to a photon, so it's not possible to define the amount of time experienced by a photon. Therefore the answer to your question is fundamentally undefined.
Photons hitting the Black Hole Singularity
So based on this, are we saying that we do not know whether a photon would win over a neutrino?
More fundamentally, we do not know whether massive or massless particles move faster inside a black hole?
Question:
- Race to the singularity, who wins, the photon or the neutrino?