I wrote in a reply to a mail on here recently that you can't set mpu (minimum packet unit) on HTB as you can on CBQ.
I've just noticed that there is a patch on devik's site which does mpu and overhead.
http://luxik.cdi.cz/~devik/qos/htb/
For dsl users mpu is, for practical purposes going to be 106 - overhead is still variable though, depending on packet size.
Having these should let you push upstream bandwidth rates a bit closer to the limit.
Andy.
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