I2C is open collector outputs so that you can have multiple devices on the I2C bus and is thus limited to 400Khz or so, SPI selects each device with its own enable pin and is much faster more than 25Mhz. The idle state depends on the settings of the SPI bus and can be programed to be any state that is compatible with the device on the SPI bus.
The answer is simple:
The communication becomes unreliable.
The communication may work or not.
It may work today, but not tomorrow.
It may work with the temperature now, but not with any other temperature.
But what's a communication worth if you can't rely on it's informations?
Any interface capacitance will have it's effect, can be nothing or minimal or enough to disturb data transmission. It's a natural phenomina.
Be clear on question.
There is no defined upper limit on the speed of the SPI bus. The SPI devices have an upper limit specified in their data sheet. for example a SD card in SPI mode can run at 25Mhz, however a maximum bus capacitance is also specified.