I just noticed that with a M200 contract I should have 20mbps. We got the speed upgrade from a M100 package and I always had 5mbps upload, but with working from home this is a bit thin. Looking at the speed table https://www.virginmedia.com/shop/broadband/speeds I should have 20mbps.
your confirmation that Hub has correct settings made me think and I remembered there was a max upload/max download setting in my FritzBox that was still set to the original upload of 5mbps. I upped that limit to 25 and now I have the full 20mbps upload.