Conqueror, there’s no way to tell unless you sample it and have it tested in a lab. They’ll need to take more than once sample as this stuff was usually site mixed and the asbestos fibres may not be even throughout the mix. Testing however is cheap, bulk costs are about a tenner a sample. Ring a few local labs and get a quote, they’ll probably have a flat rate for this kind of householder test.
If it’s positive and you want rid (rather than skimming over) then you’d probably want the ceiling taken down in manageable sections then reboarded and skimmed. This is not a licenced job, but needs to be done by someone who’d competent and the material removed as Asbestos Waste.
Risk from Chrysotile (white asbestos) is massively less than other types, however sanding to remove (often done in times past) is really dodgy.
Jeff