Problem is, no matter what i've tried, I can't get over ~93Mbps down.
Testing with ONT plugged into my fast linux PC (ie lots of cpu for pppoe overhead, 1 Gbps NIC), pppoe mtu at 1500. No icmp blocking. Testing to Snap Auckland speedtest server (i'm in Auckland).
Same results even with Mikrotik doing the routing which is my normal mode of operation. Same on any day of the week or hour of the day (including off-peak).

I'm not expecting miracles like 100Mbps at peak times to London, but I don't think it's unrealistic to expect 100Mbps at the least congested time like 1am when I did this.
What am I doing wrong Snap?
This appears to be a systematic fault. Are Snap falsely advertising this as 100Mbps, or is it just me?
Could it be a provisioning fault? I've had UFB for 3 weeks now and this hasn't changed.