Sweet Bonanza Xmas outcomes stay hidden in advance
4+ Scatter Lollipop symbols anywhere on the grid start the Free Spins, and how often that happens is not known in advance. Each spin is random, so one session can bring many bonus rounds or none. The result of one session is random whatever the RTP, because the RTP describes the return over a very large number of spins.
96.49% and 96.60% are the two RTP versions of Sweet Bonanza Xmas, and only the game rules show which one is active. The RTP version sets the long-run return of each bet, so check the rules before the first spin.
x21,100 the bet is the ceiling of Sweet Bonanza Xmas, and it is reached very rarely. Because the ceiling is a multiple of the stake, the money amount grows with the bet you place. Treat the maximum win as a limit on the payout, not as an expected result.