Sorry that I have to ask, but where's the chart?
The short version of the problem is that we're not all built the same. Eg. it's not how tall you are, it's length of your spine.
For example, when I was thinner and used M-shirts (and lower waist was in fashion for jeans), my belly button used to come out if the shirt was less than around 80 cm tall. It's even worse now, as people are less keen seeing my belly, and sizes bigger than M are for those thicker, but not taller.