Hardware Secrets posted a guide: How To Increase Your Internet Speed on Windows XP
It seems that Windows XP reserves 20% of the available bandwidth (i.e. 20% of your Internet available speed) to itself and that is one of the reasons that you will never reach your full download speed under this operating system. In this short tutorial we will teach you how to fix this and improve your Internet speed.How To Increase Your Internet Speed on Windows XP