Ubuntu ARM64 can work on both Virtualbox and UTM. There's a catch - Ubuntu does not provide ARM desktop installer, but there's a way around it - download Ubuntu server ARM image and install ubuntu-desktop package on it after installation is finished.
UTM has ready-made Ubuntu VM for ARM available but I have not been able to get it to work.
VirtualBox shows me those ARM Linux, there sometimes several versions from each distribution:
Ans there are three BSDs:
For Windows there is only Windows 11 ARM to choose.