IB/hfi1: Complete check for locally terminated smp

For lid routed packets 'hop_cnt' is zero, therefore current
test is incomplete. Fix it by using local mad check for
both lid routed and direct routed MADs.

Reviewed-by: Mike Mariciniszyn <mike.marciniszyn@intel.com>
Signed-off-by: Alex Estrin <alex.estrin@intel.com>
Signed-off-by: Dennis Dalessandro <dennis.dalessandro@intel.com>
Signed-off-by: Doug Ledford <dledford@redhat.com>