Internet providers will state “up to” when advertising maximum speeds because many variables can prevent you from hitting that top speed. What you see on the speed test is simply where your internet speeds are currently.
Most of the time, your internet speeds will fluctuate within a small range of that max speed. The speeds promised by your internet plan are the max speeds you can expect. You likely won’t ever see the maximum speed advertised by your provider in the speed test, but your speed test results should come close. Why doesn’t my internet speed match my plan?