When borrowing is not beneficial ? Mortgage for a house?

I am wondering if there is a formula or a site that I can look up that answers this question.
Basically, I am wondering if borrowing $ 300k for a flat with a $ 200k deposit or borrow $ 500k for a bigger flat with a $ 200k deposit. I will live in this place.
If in 10 years time they both go up 10% I am wondering which one I am better off considering all the interest paid and debt repayment.
There must be a point when borrowing too much is no longer beneficial

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