The max towing weight has to cater for the ability of the car to start on a 12% incline a number of times plus a number of other things. But as I said a caravan doesn’t behave like for example a four wheeled boat trailer or one carrying a load of cement or a couple of motorbikes. . There the CoG is low and where it’s supposed to be, and the trailer would not be as subject to disturbance as would a high sided 7-8m aluminium box which can have its load in all the wrong places, or even in the right places.
When looking at caravans please check what is included in the MIRO. My last Swift included fir one gas bottle of 10 kg total weight including gas. The EHU lead, supplied step, hose connecting aqua roll to caravan, spare wheel, makers documents and handbook. we’re in MIRO.The battery circa 23-25 kg is not included, nor is any fluid in any tank. Any post manufacture fitments such as motor mover, solar panels, side pull out awning etc all detract from payload. I dont know how you would plan to use the van, but if you have children , dogs etc 100 kg payload would not really be adequate. Given my comments about battery and mover. My last van a Sprite had 195kg with a makers upgrade of 30 kg and that was sufficient for a two week break in winter fir two of us and two dogs. If our granddaughter or grandson came on went the roof box. And we don’t live the “ high life”.