qBittorrent has exactly the option you’re looking for, I believe it’s called “incomplete download path” in the settings, letting you store incomplete downloads at a temporary path and moving them to their regular location when the download finishes. Aside from the download speed improvement, this will also lead to less fragmentation on your HDD (which might be part of the reason why it is so slow when downloading directly to it). Pre-allocating space could have the same effect, but I would recommend only using one of these two solutions at once (pre-allocating space on your SSD would only waste space)