And if it counts as a horror game, The Last of Us is definitely up there. It's riddled with cliches, true, but the writing and pacing are excellent, and the ambient dialogue is some of the best gaming has to offer.
I would say Silent Hill 2 by a very clear mile, and as one of the best horror games ever made, it's worth playing no matter what you're looking for. --- They're a herd of people eating monsters! We can't let them have their way!!