DDR 3 at 1600mhz already has enough performance for the majority of games.
DDR 4 doesn't improve read latency over DDR3 so performance is no better under loads that don't require large amounts of bandwidth.
The latencies on memory chips are measured in clock cycles and the read times usually end up the same regardless of clock speed.
At the end of the day unless you are crunching gigs of data then 1600mhz DDR 3 is more than enough. Capacity becomes more important in the end. So just buy the highest frequency and capacity ram at the lowest price. you dont need to buy stupidly expensive ram unless you need the bandwidth.
this article helps explain showing the graph of cycles against frequency, showing the read latency in ns to be consistant as clocks increase.
http://community.cadence.com/cadenc...chcon-paper-why-dram-latency-is-getting-worse
Edit - If AMD Stuck some HBM2 on their Zen cpu's as RAM, it would have a far greater performance impact than DDR3 - 4 due to lower read latencies and the ridiculous bandwidth.