My T-Mobile contract runs out at the beginning of Oct - I've had a HTC Hero on a 12 month contract for something a shade under £30 a month - £27? Something like that. I phoned up T-Mobile to cancel, thinking I'd go PAYG for a bit and they offered me SIM only, 300 mins, 300 texts, unlimited (3Gb) Internet for ... £5 a month! Only downside is 24 month contract, but I can take on a phone contract at any time if I choose. I figured typical contracts now are £30/month/24 months = £720. £5/month over the same period is £120, leaving £600 to break even on a handset. Pre-ordered Desire HDs are around £470, so I'm well inside that, and I'll probably sit on it a couple of months while the market calms down.