More than you can handle
There has been a lot of discussion here in the past about how much to heel a Cat. 22. For efficiency, you probably want to stay around 15 degrees. But for fun, she will handle a lot more than that. You will probably exceed your comfort level before the boat reaches its maximum capacity. I have been knocked down by an unexpected wind shear. The sails hit the water. She righted herself in seconds and suffered no damage whatsoever.