Plasmonics of Ag, Au and Zn nanoparticles supported on Al$_2$O$_3$(0001), TiO$_2$(110) and ZnO(0001) substrates has been probed by surface differential reflectivity spectroscopy (SDRS) during vapor deposition growth. Parallel and perpendicular interfacial susceptibilities (ISs), or "optical thicknesses", which characterize only the dielectric response of the film, are derived from experimental spectra in p- and s-polarization using an inversion procedure based on Kramers-Kronig transform. The consistency of the approach is checked against sum rules. Plasmonic contributions are unraveled by decomposing ISs into damped oscillators and identified with the help of dielectric simulations of truncated supported spheres or spheroids. Beyond the common Drude behavior of Ag, Au and Zn, the comparison between the three metals demonstrates the paramount role of interband transitions in the ISs profiles. While gold and silver show free electron plasmon modes, zinc exhibits polarization of bound electron modes. However, despite those differences, the resonant modes that are identified herein are universal for supported particles. Particle shape, equilibrium aspect ratio, image field, polydispersity and interface-induced damping are discussed by analyzing changes in frequencies, oscillator strengths and broadenings. Deposit-induced band gap absorption for semiconductor substrate and switches from growth to coalescence regimes are evidenced. Static and dynamic coalescence are characterized by power law exponents as function of particle size. Therefore, the unique framework that is proposed opens strong prospects in the optical characterization of growth, metal/semiconductor interfaces and gas adsorption.