Tmobile new phone without breaking contract? (wirefly??)

I'd like to pick up one of google's android based phones that tmobile has. The problem is that I've only had my phone for 1 year and when I called them they told me it would cost me about $490 dollars if I wanted the phone today. If I wait a year, when my two year contract is up I can get it for 160 dollars or something like that.

I saw that if I went to wirefly.com that I can get the "Motorola CLIQ With MOTOBLUR" for 150 dollars with a contract extension. Well I'm not sure if I can buy from wirefly without changing my plan. I have the loyalty plan, which is about 10 dollars less per month than what's currently being offered.

Basically I'm just looking to keep my current plan, but get this phone or the new HTC phone at the lowest price and not have to pay close to 500 dollars for the phone.