Transformer lower frequency limit is set by amount of volt-seconds that transformer core can take before the core saturates, and the primary inductance is lost, leading to "droop" of output signal. That means if transformer is used, there can't be any kind of DC component. It is common practice in telecommunications to apply such an encoding scheme so that DC-component vanishes, so that there could be any form of AC coupling in the signal path.
Faster ethernet uses much different encoding scheme, 100BASE-T uses MLT-3. Also, Gigabit ethernet has same symbol rate (125 Msyms/sec) than 100 Mbit/s ethernet, but symbols are bigger and all four pairs are used to transmit data.
Regards,
Janne