Which aspect of a maximum are you having comprehension problems with?
In your interpretation, the PC loses 5 temp hit points plus 10 actual hit points when he takes 10 points of damage at full hit points. Effectively, he takes 15 points of damage instead of 10. But if he has 5 or more fewer current hit points, he would only be taking 10 effective points of damage.
Yeah, this conversation is over, at least from me. When the math does not support someone's POV and they do not even look at that, it's time to leave.
Have fun with your game.