Internal USB 3.0 Splitter Questions

[Oafage]

My case has 2 USB 3.2 Gen 1 Type-A front panel connectors supporting 4 USB 3.0 ports, however my motherboard only has 1 USB 3.2 Gen 1 header. I'd like the option to use all 4 USB ports and I'm wondering if this would work: 
https://www.moddiy.com/products/20-Pin-USB-3.0-Internal-Header-Y-Splitter-Cable-12cm.html 
Would there be a problem connecting to all 4 USB 3.0 ports at once other than reduced speed? I assume full speed would still work with only 1 USB port utilized? 
 

Also, is there a difference between the above or an active hub like this:
https://www.moddiy.com/products/USB-3.0-Motherboard-Header-20-Pin-Internal-USB-Hub-Controller-4-Port.html

I realize that I could use a PCIe USB 3.0 internal header extension card to achieve this with no detriment to speed, however I'd rather not use a PCIe lane just for that (and it would look ugly in my setup). Browsed around for a while and couldn't find a lot of useful info on this subject. 

[Kilrah]

You need the hub. The Y splitter would only be useful if you have 2 front panel connectors but only one port is used on each, which I've never seen so this product doesn't seem to make sense.