@JAC ok. For clarity, the speed to the hub is from the cable exchange to the hub in the house. This only measures the speed of the internet circuit itself, and not the speed of the wi-fi network to your phone.
So whilst you think you’re getting (for example) 100Mbps internet speed to your phone, this is actually the amount of bandwidth being delivered to your phone via the hub itself. In short, this brand that you could (and are) getting 1Gbps internet delivered to your hub, that doesn’t automatically mean that’s what is being delivered to your phone.
There are a number of scenarios to consider here. The most prominent is environmental factors such as solid walls, overhead lighting etc - all of which will play an individual role in reducing the speeds being delivered to the device itself. The real issue with consumer wi-fi devices is that they do not guarantee bandwidth to the end connecting device - more along the lines of serving whatever is available at the time.
How many wireless devices do you have at home ?