How do I create the IF Statement in Excel which can handle many conditions. My Example provided

As you can see in my picture. There is a table to the right.

1. Cell D3 has the option to select 90.0, 95.0, 99.0, and 99.9
2. Cell D4 is a % value
3. Cell D5 I have: IF(AND(D3=90,3/D4<9),3,4) Obviously if the user selects 90 for D3, then I want to determine which 2 X choices either 3 or 4 from the table are used based on the value of Y which I get by the 3/D4. This statement is working 100% correct.

MY QUESTION, How do I add the other parts of the table to this same line of code for when D3 = 95, 99, and 99.9?

I try this: =IF(OR(AND(D3=90, 3/D4<9),3,4, IF(AND(D3=95,4/D4<16),4,5)))

Can someone please help. Thank you.

Picture from Excel