Before a bonus hits, after the first spin
Decide your stake knowing that the bonus round does not come on a schedule. How often Hold and Spin starts is not known in advance, and no figure on this page changes that. The result of one session is random, whatever the RTP says about the long run. A session can end well below or above that RTP.
Open the game rules before the first spin, because the RTP version Gtbets Casino runs is shown only there. Dragon Hot Hold and Spin is listed at 96.70%. Read the figure in the rules panel before you set a stake, and keep the rules open while you play.
Pick your bet with the maximum win in view, since the ceiling of Dragon Hot Hold and Spin is x20,000 the bet. At a bet of A$10, that ceiling comes to A$200,000. The maximum win is reached very rarely, so treat it as the limit of the game, not a result to plan around.