If you want to visualize how capacitance drops with applied DC bias voltage, you can check out Kemet's KSIM web app:
https://ksim3.kemet.com/capacitor-simulation
The limitation is fundamentally package size, and more directly, the physical amount of dielectric material contained. Since Class II ceramics are ferroelectric, they "saturate" similar to how an inductor's core might. More material means it saturates less under the same DC bias conditions.
Beware of "too good to be true" capacitance values in tiny packages. Sure you can get a 1.0uF/25V 0603 capacitor, but you better not use it above 5V, if you really need a 1.0uF capacitor.