Your questions about SoFi Hong Kong are answered here

For cash subscription, the application amount will be held from your account. If you subscribe with financing, only Deposit Amount and Subscription Fee will be held in your brokerage account and deducted after the application deadline. 

IPO Cash On Hold = Application Amount (Consideration + SFC Transaction Levy + AFRC Transaction Levy + HKEx Trading Fee + Brokerage Fee)

Ensure your account has sufficient HKD Cash Balance by the application deadline. Otherwise, we will conduct an FX conversion from other currencies in your account to cover the deficit on the next business day. Interest may be charged for any insufficient cash balance.