For typical PCB materials, the crossover is in the 10 to 100kHz range.
That used to be the common assumption. Recent video's I saw (among them Robert Feranec) suggest that the effects start at much lower frequencies, and that at around 2kHz to 6kHz the impedance is already by far the dominant factor. There are several video's complete with field solver simulations on youtube.
It's not an assumption -- it's easily calculated. To what it applies, is a matter of context though. Specifically, the higher frequencies are where skin depth is less than the thickness of the foil, thus having significant shielding effect, separating currents into top and bottom sides.
You can understand a sheet conductor below skin effect (= is at least partially transparent to magnetic fields), as a reduced-dimensional skin effect system. That is, you still get the effect of skin effect, in the remaining dimension(s), at a rate determined by the effective resistance of the sheet.
That's probably not very clear without a diagram, or further explanation, so let me give an example.
Consider a wide symmetrical stripline (parallel plates) geometry. Let fs1 be the cutoff frequency associated with skin effect through the sheet, its thickness direction; and fs2, widthwise.
For f > fs1, current flows on the facing surfaces. More current flows towards the edges, particularly the facing corners where the magnetic field between conductors is spreading out into the fringing fields beyond them. But current doesn't go deeper into the material or anything; again, depth is determined by skin effect. This is the normal and well understood case.
Below fs1, current flows through the bulk of the sheet, from direct face to the far edge. The full conductor is utilized, though current is still not uniform: current flowing through the center for example, has a magnetic field around it that induces an eddy current in the nearby layer, and so on and so forth; this pushes current out towards the edges, so there is still more current flowing at the edges than in the center. As you can see, the magnitude of this effect depends on the sheet resistance of the conductor: the wider the conductor is, the better shielded the center, say, 10 or 50% or whatever, of the conductor is, from the edges, and thus the lower current density flows there.
The distribution then, is to have more current flowing at the edges than in the center, and this is characteristic of the mid-frequency behavior. It's not that no current can/will flow in the center; the sheet is still transparent to magnetic field so a complete magnetic loop can be made around any given bundle of current flowing along the sheet. But current is still pushed out to the edges, and how strongly, depends on frequency and resistance.
Below fs2, current flows essentially uniformly; magnetic field spreads out evenly across the sheet, and so also current density, and we have the DC case (more or less).
For the ground plane case, consider an infinite sheet with a microstrip trace above and below it. Suppose we have a coupled-microstrip geometry, where they are routed apart at some distance, then come together (overlapping i.e. on top and bottom layers, but still separated by the middle ground plane), then diverge again. There is some coupling between the two traces, depending on length of overlap, frequency, and thickness of ground plane. (And, I suppose, all the other geometric factors: transmission line impedances and all that. Ultimately it's going to be something like, the ratio of transmission line impedance to plane resistance, right? We always expect reasonable separation of currents, even at DC, but only finitely so is the point, whereas as f --> infty, we expect infinite attenuation.) This geometry will depend on fs1, but not fs2. (Or, perhaps better to say: there is no fs2, or at least, an obvious datum to use for calculating it! Maybe there's a cutoff associated with the length dimension of the overlap region, I'm not sure exactly. If there is, I suspect it's a minor term, not a proportional frequency cutoff kind of behavior? Or we could use wide microstrips and use the trace width as above, but that's kind of a separate thing -- note that Zo will also be *much* lower in that case too.)
Another example geometry: suppose you have two connectors (SMA or whatevr) placed in the middle of the board, separated by some distance. Suppose there is a single microstrip trace connecting between them, but not in a straight line but rather taking a square 'C' shape of equal width and height. At DC, ground-return current takes a direct line through the plane, with current density distributed according to the usual -- whatever it is, a complimentary parabolic-hyperbolic pattern I think? Anyway, mostly straight line, but fanning out a bit, particularly in the middle. At high frequencies (f > fs1), current follows the trace. At intermediate frequencies (fs2 < f < fs1), it's a mix of both -- where fs2 is given by the distance between connectors. Or perhaps more accurately, the distance between trace and DC-preferred current paths?
I haven't watched the video in detail, but I expect he's used a set of illustrations showing several (or all) of the above cases.
I gave the upper cutoff range, because that's the range important to what I was talking about -- crosstalk for traces above/below. Where ground-loop voltages along quasi-DC paths may be an issue, one must also take account of the lower cutoff, or more importantly, handle both cases responsibly for any f < fs1, since these cases aren't really very specific and sharply-defined, it's a slowly (~sqrt(f)) varying continuum between cases so you really just need to handle the general case properly. Or, put another way, the specific high-frequency case can be treated more simply (in terms of return current path) than the general (AC/DC) case.
Tim