Remember, in the last few years the bar has been raised. Agents and readers are demanding more, earlier. In most modern thrillers the stakes w/the initial incident comes in the first few pages. Leaving the poor author to establish character, involvement, scene, and stakes in a few words.
For other genre you get more of a break, but I think there is probably some pressure to get to the point right away. Or be a really, really good writer.
Pretend you are reading a YA novel. Nothing much happens in the 1st three chapters. The MC goes to school, has a nice time, a few bullies, parents don't understand, you get to know them. Why do you read the 4th chapter? When do you stop reading at the bookstore, and actually purchase the book?
Having said that, I understand that there is a difference between a hook and the 1st plot point. But it's one I don't believe in strongly, despite having read up on it. The only thing you should worry about is whether the reader wants to turn the page. Despite the numerous article on the 1st plot point, they're are plenty of great novels that don't have one at the 25% mark. And plenty that do.
http://storyfix.com/hook-vs-first-plot-point-dont-get-fooled
http://www.helpingwritersbecomeauthors.com/2012/03/secrets-of-story-structure-pt-4-first.html
Write the story. Look at your structure. Does it have a 1st plot point at the 25% mark? If not, why not? If it does, can you purify and improve it?
Sometimes these rules shouldn't be viewed as rules. Just ways to look at your novel.