looks like you're not really capped at all pCeSlAyEr...
from what you said, i'll assume your max d/l is 3.6mbit/s and your max u/l is 131kbit/s.
I'll also assume that when you're watching your d/l or u/l speed, it's being measured in bytes, not bits (as it almost always is).
1 byte (upper-case "B") = 8 bits (lower-case "b")
So, your max d/l in terms of bytes should be one eighth of your max download in bits. 3.6/8 = .45 - That's .45mbyte/s, which is roughly 450 kB/s (which is what you get, right?)
You max u/l should adhere to the same principles, so 131/8 = 16.375 - That's 16.375kB/s upload (about what you measured).
That's how ISPs fool you...they always speak in terms of bits, but most users are accustomed to bytes. So it may sound like you have a fast connection when you're paying for it, but it's only about an eighth of what you think it's gonna be.