If you've got a Hub 4 and you're not on a Gig 1 connection, then you're 99%+ certain to be in an area subject to over-utilisation. DO NOT upgrade your speed, it won't make any difference to the problem if it is over-utilisation (although your bills will go up), because the ultimate cause is that the local network lacks capacity at some pinch point. If you went for a Gig 1 connection you'd probably find peak time speeds no better than you get at the moment, and latency would be equally poor.
We (community users) are very much in the dark about how effective the Hub 4 actually is in reducing congestion. A similar strategy certainly worked when VM moved from the Superhub 2 to the Hub 3, so there is hope, but I suspect (without expert knowledge) there's some critical proportion of local users have to be using the Hub 4 for the benefits to be realised, and perhaps that's what the BQM is showing, that things aren't now as bad as classic over-utilisation, but they've not yet fully resolved the capacity issues on the local network.
Possibly the forum staff can advise of some other cause to your BQM, if it is over-utilisation then you may be looking at a couple of months of poor performance whilst the Hub 4 is trickled/rolled/gushed out to your neighbours. Treat any promised "fix date" for over-utilisation with the deepest suspicion - the problem may well get fixed by the Hub 4 rollout, but the actual fix dates seem to be plucked out of the air with no supporting evidence.
