Thems that fight always get the short end. Having said that, the term 'Oligarch' would describe both sets of the upper crust in colonial America. The folks back then generally regarded that as more the natural order (the other side would be described as 'levelers'). Because of property qualifications to vote it would be difficult to have anything else.
Not wishing to step on toes, and trying to make an universal statement (there are always exceptions) but... the only place where the general lower class was loyalist was Up- Country Carolina. That was a result of problems with the local colonial government as opposed to any real loyalty to the crown. Elsewhere, the general restrictions put on timber harvesting, industry, emigration to the west, and fears of having the Anglican Church imposed as the "official church" (among other reasons) meant that, even before the hue and cry went up in the 1760's, the lower class was generally not pro English. The general view today that 1/3 were patriots, 1/3 loyalist, etc. is drawn form a quote by John Adams- a nice quip, but not a scientific view. The best breakdown I have read regarding the most likely breakdown is "The Cousins War", with "A Glorious Cause" next on my list. These books hold the view that the Loyalist population was probably closer to 20%. As to the economic breakdown, my view would tend towards the opposite of yours: e.g. more Tory's would have been better off with the status quo than to risk the cost a most likely failed rebellion.