Possibly, that's why I suspect the OS is somehow involved, too, especially since by default there's nothing connected to the HDMI port. Or, at least, some kind of interaction between the dock firmware and the OS.
The other commenter mentioning that Linux "doesn't care and plows through" could be on to something, too.
But I should note that I haven't "forced" anything. The display is detected as 4K@60Hz with no intervention on my part.
Whereas on Windows, before I do the dance, it only says 4k@30, I can't manually change it to 60 Hz; not with the standard Windows settings app, anyway.
This also happens on a separate dock. But on that one, it never works under Windows, DP or HDMI, dance or no dance. Works perfectly on Linux, though. However, that's some random Chinese dock off Amazon, so I chalked it up to shady implementation on its side.
However, this just goes to show that things aren't so "simple" as OP stated, things can fail in weird ways which aren't straightforward to diagnose. And the hardware isn't obviously broken, either, since I'm typing this on Linux attached to the Chinese dock in 4K@60Hz without having done anything special to get it going. So, something, somewhere, may be somehow out of spec, but how can I diagnose that? On the face of it, all my components are what I'm supposed to use.
I guess there are just too many moving parts, whereas a DP cable connected to the graphics card is pretty straightforward.