Step 1: The probability that an HIV-positive mother infects her child rises and falls with how much virus is present and how the delivery and feeding are managed.
Step 2: Of all the listed factors, the quantity of virus in maternal blood, the viral RNA load, has the tightest correlation with infant infection.
Step 3: Elective caesarean section is actually protective, cutting risk by close to $79\%$ versus vaginal delivery, term birth beats prematurity, and breastfeeding raises risk only modestly relative to high viraemia.
Step 4: The option that maximises transmission is therefore high viral RNA load.\[\boxed{\text{High viral RNA load}}\]