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you'd just call it "the cap" if it was the max in a stat, there'd be no need for the prefix "hard" otherwise.
the soft cap in turn is where their is a major dimishing return (IE 40 for vit) but it still gives somewhat worthwhile rewards beyond that point.
https://preview.redd.it/q1oa9febodl81.jpg?width=2927&format=pjpg&auto=webp&s=c9b8c80212e126b1a5a73f4a5ef9bbaa54b13dc2
if we wish to look at the charts for vit, specifically the "absolute increase(they all show the same info in different ways, but this one is easy to understand)" one, we can see the soft cap happens at 40, and then the hard cap happens at 60
60 would only be a hard cap there if 61 gave 0 hp, 62 gave 0 hp, and so on but intead it gives 6 hp - a low amount but still a benefit which makes it a soft cap
there would be no need for the term "hard cap" if it was just the stat cap, you'd just call it "the cap" as i said.
soft is when there is a major dimishing return, the hard cap is for the final one beyond that in which point putting points into the stat is no longer meaningful, because it has been reduced too much for the stat to be worthwhile as opposed to putting it elsewhere.
its OBVIOUS that u cant level past 99, but theres multiple soft caps in these games, so wen we refer to the hardest soft cap, we say hard cap. because every human adult wit a functional brain realizes that a hard cap is literally a hard cap n u cant invest past that.
we rly gotta think up a new term for "common sense" cuz it sure as ♥♥♥♥ hasnt been common for decades