I am not sure if the original poster is talking about downloading over https and, whether he is mentioning the data rate or the file size. For instance you download a 1gbyte file in 4 seconds - your effective data rate in terms of what you want to see on your disk is 250Mbytes/second ; but if you measure the actual data rate it would be more due to both TCP/IP and, application layer overhead.
There maybe further overhead when that packet gets to your router/modem and out to your ISP, and their switches, consider that there's likely another wrapped header on there accounting for 30 more bytes and possibly causing a packet to get split into two smaller ones. I think 10% would be the highest "data rate" vs "port rate" overhead you'd see, without involving a VPN or complex network.