refactor: phase 0-2 MoFin architecture reform — single source of truth

Phase 0 (止血):
- mo_models.py: unified calc_total_assets(), is_hk_stock(), get_hk_rate() — single source of truth
- Fixed 3 files missing frozen_cash: holdings_reconciliation, server, import_holding_xls
- Fixed stale_push_wlin: unified is_hk_stock detection, removed hardcoded 0.866
- Fixed price_monitor: consolidated 2 duplicate total_assets blocks into mo_models calls
- Fixed stock_scorer: replaced broken len()<=5 is_hk_stock heuristic
- Fixed strategy_lifecycle: replaced non-existent currency_utils import with mo_models

Phase 1 (DSA adapter):
- mo_provider.py: wraps DSA DataFetcherManager (16 fetchers, auto-fallback)
  - TDX relay as primary, DSA as backup for realtime/kline/news/fundamentals

Phase 2 (Integration):
- mo_bridge.py: injects DSA market review + news context into MoFin analysis prompts
- Graceful degradation if DSA not installed

Infrastructure:
- mo_config.py: centralized Config singleton replacing scattered hardcoded paths
- All 11 changed files pass python compile check

Impact: total_assets now computed in ONE place (mo_models).
        is_hk_stock now ONE implementation (no more false negatives).
        HK rate now ONE source (hk_rate API → cache → 0.87 fallback).
        No more hardcoded 0.866/0.8664/0.8700 divergence.

price_monitor.py

@@ -10,6 +10,9 @@ import sys
 import time
 from datetime import datetime
 
+# ── MoFin unified model ──────────────────────────────────────────────
+from mo_models import is_hk_stock, get_hk_rate, calc_total_assets, calc_total_mv, calc_position_pct
+
 DECISIONS_PATH = "/home/hmo/web-dashboard/data/decisions.json"
 PORTFOLIO_PATH = "/home/hmo/web-dashboard/data/portfolio.json"
 WATCHLIST_PATH = "/home/hmo/web-dashboard/data/watchlist.json"
@@ -26,10 +29,9 @@ except ImportError:
     HAS_REASSESS = False
 
 try:
-    from hk_rate import hkd_to_cny
-    HK_RATE = hkd_to_cny()
+    HK_RATE = get_hk_rate()
 except Exception:
-    HK_RATE = 0.8700  # fallback
+    HK_RATE = 0.87  # ultimate fallback
 
 # 分支系统与情景检测
 try:
@@ -152,8 +154,8 @@ def refresh_data_prices():
         if s['code'] in prices:
             price, _, change_pct = prices[s['code']]
             if price > 0:
-                # 港股：API返回HKD，需转RMB（2026-06-23 bugfix）
-                if str(s['code']).startswith(('0','1')) and len(str(s['code']))==5:
+                # 港股：API返回HKD，需转RMB
+                if is_hk_stock(s['code']):
                     price = round(price * HK_RATE, 2)
                 old = s.get('price', 0)
                 if abs(old - price) > 0.001:
@@ -163,16 +165,10 @@ def refresh_data_prices():
                     changed = True
     if changed:
         pf['updated_at'] = datetime.now().strftime('%Y-%m-%d %H:%M')
-        # 统一计算总资产：持仓市值 + 现金（所有港股价已×HK_RATE转CNY）
-        pf['total_mv'] = round(sum(
-            h.get('shares',0) * h.get('price',0) for h in pf.get('holdings',[])
-        ), 2)
-        # total_assets = 持仓市值 + 可用现金 + 冻结资金（缺一不可！2026-06-29 bugfix）
-        # cash = 可用资金（从截图/导入/成交记录来的，price_monitor不动它）
-        # frozen_cash = 冻结资金（T+2未交收/挂单占用）
-        available = float(pf.get('cash', 0) or 0)
-        frozen = float(pf.get('frozen_cash', 0) or 0)
-        pf['total_assets'] = round(pf['total_mv'] + available + frozen, 2)
+        # 统一计算总资产（mo_models 唯一公式）
+        pf['total_mv'] = calc_total_mv(pf.get('holdings', []))
+        pf['total_assets'] = calc_total_assets(pf)
+        pf['position_pct'] = calc_position_pct(pf)
         json.dump(pf, open(PORTFOLIO_PATH, 'w'), ensure_ascii=False, indent=2)
     elif pf.get('updated_at'):
         # 即使价格无变化，每10分钟刷新一次updated_at，防健康检查误报
@@ -190,8 +186,8 @@ def refresh_data_prices():
         if s['code'] in prices:
             price, _, change_pct = prices[s['code']]
             if price > 0:
-                # 港股：API返回HKD，需转RMB（2026-06-23 bugfix）
-                if str(s['code']).startswith(('0','1')) and len(str(s['code']))==5:
+                # 港股：API返回HKD，需转RMB
+                if is_hk_stock(s['code']):
                     price = round(price * HK_RATE, 2)
                 old = s.get('price', 0)
                 if abs(old - price) > 0.001:
@@ -203,28 +199,17 @@ def refresh_data_prices():
         wl['updated_at'] = datetime.now().isoformat()
         json.dump(wl, open(WATCHLIST_PATH, 'w'), ensure_ascii=False, indent=2)
 
-    # --- 汇总值重算（2026-06-29 bugfix: 之前price_monitor只更新个股价，不更新汇总）---
+    # --- 汇总值重算（使用 mo_models 唯一公式）---
     try:
-        live_market_value = sum(
-            h.get('shares', 0) * h.get('price', 0)
-            for h in pf.get('holdings', [])
-        )
-        
-        # 现金：绝不重算。保留上次的值（来自截图/导入/手动修改）。
-        # 2026-06-29 bugfix v2: 之前price_monitor用available_cash+frozen_cash重算现金，
-        # 但截图确认的9.2万被旧冻结数据(3.9万)覆盖=113k，导致cash来回跳
-        # 修正：price_monitor只更新market_value，不碰cash
-        
+        live_market_value = calc_total_mv(pf.get('holdings', []))
         old_mv = pf.get('total_mv', 0)
+        
         if abs(old_mv - live_market_value) > 0.01:
             pf['total_mv'] = round(live_market_value, 2)
         
-        # total_assets = 持仓市值 + 可用现金 + 冻结资金（重复！同步上一处公式）
-        available = float(pf.get('cash', 0) or 0)
-        frozen = float(pf.get('frozen_cash', 0) or 0)
-        pf['total_assets'] = round(live_market_value + available + frozen, 2)
+        pf['total_assets'] = calc_total_assets(pf)
         if pf['total_assets'] > 0:
-            pf['position_pct'] = round(live_market_value / pf['total_assets'] * 100, 2)
+            pf['position_pct'] = calc_position_pct(pf)
         pf['updated_at'] = datetime.now().strftime('%Y-%m-%d %H:%M')
         json.dump(pf, open(PORTFOLIO_PATH, 'w'), ensure_ascii=False, indent=2)
     except Exception as e: