The optional payment is a one-off payment due at the end of your (PCP) finance term, if you decide to keep the vehicle.
This is sometimes referred to as the Guaranteed Future Value (GFV) and is an estimated value of how much the vehicle will be worth at the end of a finance agreement (based on your expected mileage and agreement term). The GFV is not applicable if you intend to hand the vehicle back at the end of the agreement as part of the goods return option.
There’s no optional final repayment on the (HP) finance option, which is why monthly payments are usually higher than with the (PCP) option.
What is the optional final repayment on the (PCP) option?
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