修正期期盈亏比口径：按总权利金计算，残值按本合约

盈利腿触发改为盈利金额/总权利金；亏损腿残值20%仍相对该合约自身权利金。

Co-authored-by: Cursor <cursoragent@cursor.com>

lib/hedge_plan/hedge_plan_db.py

@@ -72,9 +72,9 @@ def init_hedge_plan_tables(conn: sqlite3.Connection) -> None:
     )
     _ensure_column(conn, "hedge_plans", "target_price_up", "REAL")
     _ensure_column(conn, "hedge_plans", "target_price_down", "REAL")
-    # 期期出场:盈利金额/初始权利金(默认2);有值则走盈亏比监控,旧单仍用上/下破价
+    # 期期出场:盈利金额/总权利金(默认2);有值则走盈亏比监控,旧单仍用上/下破价
     _ensure_column(conn, "hedge_plans", "profit_rr", "REAL")
-    # close_all=残值平(权利金≤初始20%且有买一);hold_expiry=残腿持有至到期
+    # close_all=残值平(本合约权利金≤20%且有买一);hold_expiry=残腿持有至到期
     _ensure_column(conn, "hedge_plans", "oo_close_mode", "TEXT")
     # 永期「以期权为主」
     _ensure_column(conn, "hedge_plans", "option_primary", "INTEGER")