I think the 4 missile limitation is down to the large size of the PL12 missiles. They are too thick and too long to be triple stacked like AIM120s in the F22.
However, we should bare in mind that the J20 will not enter service for several years, and by the time that comes to pass, the next generation of missiles like the PL21 will likely be available. The PL12 was designed too early to have had any thought towards internal carriage, but the next generation weapons would almost certainly have been designed with internal carriage in mind.
The J20's weapons bays are larger than the F22s, so it is perfectly possible to carry 6 in the man weapons bay if there is a suitable missile.