Nor did I say it was Max speed, I said max speed on FTTN was 100/40 but it is rare to achieve and if you get those speeds that is great. You are more likely to achieve somewhere between 25 and 50 Mbps down. This is due to a number of issues that I pointed to above including the state of the copper wire from your premises to the node, distance from the node, and the state of connections in the copper from your premises to the house. These impacts are acknowledged by most RSPs and why many are now only trying to sell 25/5 FTTN packages particularly as the ACCC has signalled that if you sell a 100/40 package you better be delivering it. When some of the newer technologies are employed FTTN may be able to achieve a maximum of around 300 Mbps.
From an article on the difference between FTTP and FTTN:
"While FTTP is essentially unaffected by distance, the same cannot be said for FTTN. For that system, the achievable speed is all about distance. Take a look at this graphic, showing the speed dropoff of various DSL technologies over distance:
The above speeds for VDSL2 assume 2 pairs of copper wire (known as bonding), which most homes in Australia don’t have and VDSL1 speeds are over coaxial cable. They should be (approximately) halved for a single copper pair. Therefore:
• At 100m, FTTN could deliver about 100Mbps
• At 500m, that drops to about 50Mbps
• At 1km, it drops to about 25Mbps
Remembering that the distance is the actual copper length (not as the crow flies), a typical FTTN system would deliver maximum speeds of less than 25Mbps, which is in line with the NZ experience of 13Mbps average."
Congestion has an overall effect on speeds regardless of what you are on, be it FTTP, FTTN, FTTB, HTC, Satellite and so on due to the RSP purchase of CVC. The larger RSPs shift their allocations around to lessen some of this impact but there are certainly times of the day or week that most users of an RSP will suffer slow speeds.