I saw a reddit post that explain hard fork easily. I do research about hard fork by the time bitcoin split BCH. And the explanation below really helps me a lot to understand what it is.
"A hard fork happens when a new version of the full node client accepts blocks as valid that previous versions would have rejected as invalid. The moment such a block gets submitted to the live network, the new clients will accept it and build on that chain, whereas the old clients will reject it and start building on a different block at that height, at which point the two networks are operating on different longest chains (hence fork)".Source:
https://www.reddit.com/r/Bitcoin/comments/34rn2r/eli5_what_is_a_hard_fork_and_what_does_it_mean/cqxfqge?utm_medium=android_app&utm_source=shareSame goes with XRP, ETH or other blockchain project. Split will occur once the supporter of block is divided into two group with different vision on the project.