from my experience, you will be asked by Maxis CS to finish up the credits before you convert to postpaid.

PS: a big thanks to tink for helping out to answer all of the queries. (you're really here 24/7?!) and davidgary for cleaning up the posts. 

Wow...that's a very thorough calculation, welll done elico.
Perhaps i can further summarise by making a direct comparison between the two plans instead...

Addtitional payment of ivalue plan in the above scenario for 12 months = RM28*12= RM336
Savings on the 16 G iphone 3GS = Price of phone bought under ivalue 100 - price of phone bought under idata 50
                                                = 2090 - 1990
                                                = RM 100

Nett saving= Savings on phone - Additional payment of ivalue 100 plan in the above scenario for 12 months
                = RM100 - RM336
                = -RM236, which means you will end up paying RM 236 more under ivalue 100.

That is also to say the savings u get on the phone is insufficient to cover for the expenses you make on calls and sms etc under ivalue 100.

Hope this helps...

Read somewhere that now apple i US are starting to sell unlocked set of 3GS...so no more tied to at&t...16gb for $599

if you actually bothered to read the Maxis FAQ, or read the iPhone buying Guide or read our simplest of responses and actually tried understanding it you would have known right away how the plan works, yet you were lazy and still wanted to be spoon fed all the way, sorry this isn't a place for you to be spoon fed, the maxis ivalue plans has been around for almost 2 years already, its nothing new, why is it so hard to pop by a maxis store and ask the CS?

did i ask xaw to stop helping that particular person in question? and i have known xaw for a very long time off and online. To be fair this forum has helped and has become a repository of replies and we have compiled a long buying guide for all you people who dont quite understand the plans? why is there a need for repetitive Q&A? Doesnt a forum function as an archiver of sorts too? and i have and always answered queries along with other for a very long time.