I'm using Kimi K3 + OpenCode. I pay their API pricing, costs about $5 / hour (and chews through ~10 million tokens / hour) during continuous use when I have one or two sessions running and doing their thing.

Can't comment on how it compares to plans (I really don't like the limitations and general shenanigans I see around plans, so I've never tried them).

It is notably slower than Fable / Opus / Gemini, but also vastly cheaper than their API pricing.