TLDR is that you want to prioritise cooling in lower communal level, as opposed to upper sleeping area. So naturally you will need 2 engines (compressors) to run concurrently for lower level to be optimal and achieve your objectives.
Hence,
@mark lim suggested to split by sections of the house, top and bottom level share 1 configuration set up so you don't need to run exclusively just on 1 system for lower but 2 as this will even out the load.
If you split the cooling by levels, then upper floor is very straight forward since it's just 3 common rooms - standard 9/9/9 or 9/9/13 configuration. But lower floor will be challenging to keep it cool with just 1 system because of additional space like the Balcony area (essentially 4 common room spaces if you mirror down bedroom 2 and 3).
MITSUBISHI ELECTRIC STARMEX (R32) SERIES (System 4)
(MXY-4H33VG / MSXY-FP24VG + MSXY-FP13VG + MSXY-FP10VG X 2)
So you gonna use the 24k unit at the lower right (living + study space) and remaining 13/10/10 for upper bedrooms.
You can do that, and only run concurrently 24k + 1 other unit in the bedrooms for it to be cooling, else power will be throttled.
Then lower left (massive dining area), you are going to run a system 2 - 24+13?
MITSUBISHI ELECTRIC STARMEX (R32) SERIES (System 2)
(MXY-4H33VG / MSXY-FP24VG + MSXY-FP13VG)
Haven't done a math on this yet but essentially you can have a system 1 24k as well. Your purpose of having 2 FCU is because you want to place strategically at 2 parts of the dining area?
Just bear in mind that if you have system 1, all power goes to that FCU. If you have 2 units, like 24+13, then there might be a possibility that the power will be throttled between these two units depending on your compressor specs and electrical load rating (current limit).
