To answer that question literally it’s the same as wind heel. I’d expect that the ship would heel over and the righting arm to increase until equilibrium was reestablished.
IIRC the captain was a relief captain. How reasonable it is to expect him to assume that the ship is not seaworthy? It’s easy to say he should have checked the stability but had the ship had a bad fire instead everyone would say he should have checked the fire fighting arrangements. Which he probably did not do.