In the typical open delta high leg installed around here, one of the transformers is larger and that transformer always supplies the 120/240 volt loads. Our utility calls that transformer the "lighter" and the small one that supplies the high leg the "kicker".
No matter what size the transformers are, one will be center tapped and supply the 120/240 volt loads.
OK, but suppose you have a 25 kVA (100A capacity, rounding) kicker transformer and a 50 kVA (200A) lighter transformer, and your 220.87 load study (so realistic numbers) gives you a maximum load of 190A on the lighter, and a maximum 3-phase load of 50A line current (20.8 kVA). And you want to add a 40A 240V 9.6 kVA 2-wire load. There's not enough headroom left on the lighter, but the kicker is only 50% utilized.
So you can add your 40A 240V load A-B (B = high leg) as long as you're sure that's the kicker transformer. If you're wrong, and you add it to the "phantom" transformer, then that 40A is going to appear on both transformers, and you'll overload the lighter.
Maybe not the best example, as the utility is free to undersize its transformers, but you get the idea. Unless utility regulations typically specify that all single phase loads have to be installed on the lighter and that the kicker only be used for 3 phase loads?
Cheers, Wayne