On Windows, check your network adapter settings. If it says "100 Mbps" instead of "1.0 Gbps," your cable or port is likely limiting the speed.
Wi-Fi connections are generally slower and more unstable than wired ethernet connections. Distinguishing Causes (Troubleshooting Tips) download speed capped
VPNs, antivirus software, or even browser settings can limit download bandwidth. On Windows, check your network adapter settings