I can totally see how the 5.7 Hemi can cause a reduction in towing capacity - it generates less tractive effort than the 6.4 at any given road speed.
But how does that limit payload!? The engine and transmission itself can't tell if they're towing or hauling a load. If a 5.7 can tow 10k lbs, how does it struggle at 4k lbs payload? The resistance offered by 4k lbs in the bed is far less than 10k lbs behind the hitch.
The diesel's reduction in payload I get - it's much heavier than the smallblocks. But a 5.7 weighs less than a 6.4...
More weight in the pickup bed means more work for the engine to do. I've no idea what the exact limits of the 5.7l Hemi are, but I'm not at all surprised to see that the 6.4l has a higher payload rating by comparison.
A lot of people report that the 5.7l is barely adequate for the 2500/3500 platform...I can't imagine it's a fun engine for hauling around extra weight.