Now sit down, no this isn't a complaint more of OMG moment.
Monday 13th March internet went down for about an hour in the morning, no big deal it happens but when you know when something isn't right with your network, so off for a speed test of my 1Gig service, directly from router with no other devices connected.

Yikes 105Mbps, that can't be right, so checked the Hub4

So yes an upgrade, pin reset of hub a couple of times just to make sure I didn't get a bad config, nope it's right.
So thank you VM a pleasant surprise, unless you take it back, now if only you would give me a Hub5 so that I can get the extra 200Mbps that is provisioned and will be a even more very happy customer. Pretty please with a lot of grovelling !!
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Gig1 Package
Hub v4 Modem Mode
Asus RT-AX86U
2.5G CAT 7 LAN
Windows Server 2022