Need advice on Lucky Ladies BJ

I've been playing at Jackson Rancheria, an Indian casino in Northern CA, and I have a question about the Lucky Ladies tables. They offer a side bet for when the first two cards total 20. Any 20 pays 4:1, a suited 20 pays 9:1, a matched and suited 20 pays 19:1, and two Queens of hearts pays 125:1 (1000:1 if the dealer has blackjack). Its a six deck game, DA2, DAS, H17, no surrender. My question is at what TC would this bet be profitable? Sorry if this has been asked before, I don't know if Lucky Ladies is offered elsewhere. I'm only 18 afterall! Thanks for any replies.
Bill