Essentially this is to determine the derating factor. I might say 103, although not surrounded by insulation of >100mm the UFH might cause the ambient temperature to be equivalent. Would need to know more about expected UFH temperature for derating first. What is the cable for sockets or lighting? But then if I found out the insulation below the UFH was such that it did not raise the ambient temperature it may be a different conclusion i.e.101. It does need a bit of thinking about from the idea do we use ref. method to derate or ambient temp. to further derate. Meaning a RFC would need to be done in 6mm² or worse, which aint happening. Needs more information I would say.