I have bad news my friend :-(
I contacted apple today morning and I asked them about the full price thing and if it's unlocked or not. Here some of their answers:
"We actually do not have an unlocked model as of yet. The only SIM-Free version we have comes with the Upgrade Program. "
"It is contract-free, it is not unlocked. The full price is noted if you do decide to purchase it contract free via T-Mobile or the Upgrade Program. "
Then I asked them that I'm traveling a lot and I need an unlocked iPhone. Here is what they said:
"You will be able to do that with the Upgrade Program, however, not with the T-Mobile contract free. The T-Mobile is already programmed to that carrier."
"I understand completely. This is different from any other process we have had. Unfortunately, at this moment, we have no unlocked versions for the iPhone 6S without the program."
so basically we are stuck with locked iPhone or unlocked one with Apple Program which I'm not interested in :-(