Step 1: Understanding the Concept
A hypotonic solution has fewer solute particles than the cell sap it is compared with.
Step 2: Properties
Being dilute, it is a weak solution with low osmotic concentration. It has relatively more free water, so it behaves as a strong solvent.
Step 3: Effect
A cell placed in it gains water by endosmosis and becomes turgid.
Step 4: What it is not
A solution with high osmotic concentration is hypertonic, which is the opposite case.
Final Answer:
A hypotonic solution is not one with high osmotic concentration.
\[ \boxed{\text{(D) }\text{with high osmotic concentration}} \]