Here is a link that describes the factors that affect FTP speeds - I am guessing that these would also apply to other types of file transfers like HTTP as well.
The speed that you observe is affected by five factors:
- Links speed (your maximum throughput to Rogers)
- Frame size (somewhat user configurable)
- Round trip time - aka latency as the TCP protocol requires acknowledgement that data is being received.
- Windows size - the max here seems to be 64k bytes.