Right- a "20MHz" PIC12,14,16 uses a 20MHz crystal, but instruction speed & all counters use 4 clocks per cycle.
Now you didn't mention if these could be a PIC18, which can be different. They're rated for 40MHz clock speed, but it cannot drive a crystal at this speed. It can take an external 40MHz OSCILLATOR, but it can only take a CRYSTAL at 20MHz max. There's a 4x PLL mode in the _CONFIG bits which will multiply the crystal speed, in which case you'd use a 10MHz (at most) crystal which gets multiplied inside the PIC to generate a 40MHz internal clock. Instruction cycle divides by 4 again to get 10MHz.