From fuel prices to tax credits, which hybrid pays you back?

Toyota
Highlander Hybrid

Base Price (inc. dest): $34,885.00
Tax Credit  $0
Adjusted MSRP:  $34,885.00
Premium:  $5,250.00
MPG: 28/25 (city/hwy)
MPG Benefit: 7
Combined MPG: 26
Annual Gas Cost (15,000 miles, $4.20 per gallon):  $2,423.08
Gas Savings:  $892.71
Years to Payback: 5.9
EPA Pollution Rating: 8.0
Compared to: 2008 Toyota Highlander 4WD
Base Price (inc. dest): $29,635.00
MPG: 17/23 (city/hwy)
Combined MPG: 19
Our Take: “A great buy if you're looking for more performance out of a Highlander SUV, and don't care much about boosting fuel economy. Try the four-cylinder Highlander if you're after miles-per-gallon.”

Details, Price Quotes:
Toyota Highlander Hybrid