That figure is probably the signal to noise margin rather than the
actual ratio at some particular frequency.
https://en.wikipedia.org/wiki/Noise_margin
If the connection speeds don't change at all then the noise margin will
reflect changing levels of noise. But if the modem changes to a lower
speed the margin will increase even without there being any change in
noise levels.
If your connection speed is limited by line length your modem will
usually connect at a speed that gets some target noise margin which it
thinks will get the best speed without too many errors.
I'm on the cheapest FTTC package my ISP offers (40M down / 10M up) and I
can always connect at that speed. I often see the noise margin change
from day to night. It seems worse during the day than at night. Also can
be worse after really exceptionally heavy rain. Because I'm always
connected at 40down/10up the noise margin will be reflecting actual
differences in noise levels.
Back when I was on ADSL noise levels were worse at night, so much so
that if I switched the modem off and on again during the day it would
often connect at a significantly faster speed that it had been at
overnight, but with a lower, but perfectly adequate, noise margin.
However later on it when it began to get dark it would begin to struggle
and eventually drop down to a lower speed.
--
Brian Gregory (in England).