You made a good point here. Although the APR of staked HP is about 3.10% (according to Witnesses), the APR of curation may vary, which in most cases is lower than 10%.
The 13.10% APR heavily depends on a curator's chances of obtaining high rewards. Personally, I find this estimate too optimistic, since my curation APR typically ranges from 8.50% to 9.20%.
Thank you for bringing that up. 🙏
I am here since many years, and it never went higher then app. 9%.
I think it depends on one's voting style, as some people are able to achieve a 9% APR.
In addition to curation rewards, HP earns passive APR. It may be around 2%.
The APR is >3%, but this included you still don´t reach 13%