You’re referring to two different things. You are using 100% of the bandwidth they’ve sold to you, which is 1000Mb/s or 125MB/s. Thats the “speed” at which you’re transferring data across the network.
90% of that bandwidth — that you are using 100% of —consists of the file data you’re downloading.
This is why those two numbers are not interchangeable, and why simply converting to bytes won’t result in the numbers you expect as a consumer. Because of the very nature of how computer networking works.