I know I will be paying 100% in bk 13 do I have to pay 100 of disposible income if the actual payment is less to pay back 100% to all my creditors

That depends on what time period you are using for your repayment.  For example, if you're doing a full 60 months, then no you don't have to pay all of your disposable income each month because that would (under your facts) pay more than 100%.   If you're paying over a shorter period, then the payment amount might approach or equal your D/I.  Your attorney will analyze all this for you and provide you the different options after factoring in Trustee's fees and other costs.