I got the same answers as @JS1, but by a different approach.
Let $f(n)$ be the worst-case cost of guessing from $n$ numbers, e.g., $0\dots n-1$.
Trivially, $f(1)=0$, because if there’s only one number to choose from, so you’re certain to get it on the first guess (and incur no cost/penalty).
Let’s try to find $f(n+1)$ inductively/recursively, assuming that we know $f(n)$ (and all values before that).
Let $f(n+1,m)$ be the worst-case cost of guessing from $n$ numbers, e.g., $0\dots n$, given that your first guess is $m$ ($0 \le m \le n$).
$f(n+1,m)=\begin{cases}x+f(n-m)&\text{if you guess low}\quad\text{(cost for guessing low} +\\&\qquad\qquad\text{cost for guessing from $(m+1)\dots n$)}\\0&\text{if you guess right}\\y+f(m)&\text{if you guess high}\quad\text{(cost for guessing high}+\\&\qquad\qquad\text{cost for guessing from $0\dots(m-1)~$)}\end{cases}$
Note that $m=0$ and $m=n$ are special, boundary cases.
If $m=0$, you can’t have guessed high, and if $m=n$, you can’t have guessed low.
To handle these cases, I notationally declare $f(0)$ (which is logically undefined) to be $-\infty$, to make the corresponding cases in the $f(n+1,m)=$ formula (above) drop out.
Well, since $f(n+1,m)$ is the worst case, it’s the maximum of the above: $\max (x+f(n-m),~~y+f(m))$.
But now the question of strategy arises: we can minimize $f(n+1)$ by choosing $m$ that gives us the lowest $f(n+1,m)$.
(Intuitively, if $x=y$, then the ideal $m$ is $\big\lfloor{n \over 2}\big\rfloor$.
If $x>y$, then the best $m$ is somewhat higher.
If $x \gg y$, then the optimum $m$ is much higher.)
So $f(n+1)$ is $\min_{(0 \le m \le n)}f(n+1,m)$.
Unfortunately, I couldn’t figure out how to reduce the above algebraically.
But I was able to develop an Excel spreadsheet to calculate $f$, and it gave me these results:
$\qquad f(101)=\begin{cases}9&\text{if $x=2~~~$ and $y=1$}\\7.5&\text{if $x=1.5$ and $y=1$}\end{cases}$
matching JS1’s answer.