Can anyone predict a big multiplier hit?
96.52 is the RTP in percent, and it describes a long run of many spins, not one session. How often a big multiplier lands is not known in advance. The result of your session is random whatever the RTP says. Two players with the same bet can finish at opposite ends, and no earlier spin shows what the next one will pay.
96.52 is the only RTP version of Hot Chilli on this page, so no other setting applies here. Which RTP version Midnight Casino runs is shown only in the game rules, and the rules are the place to check before the first spin. Read them once before you deposit.
A$90 is the highest bet allowed on Hot Chilli here. The maximum win is a ceiling that is reached very rarely, and this page gives no multiple for it. Treat it as the outer limit of the game, not as something a session is built to reach.