Hay que...vs. Tener que
This site gives you an exact difference
http://www.studyspanish.com/lessons/tenque.htm
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hay que = this comes from the verb haber and means "one must" or "it is necessary." It doesn't specify per se "I, you, he, she, we, they" must, but is more impersonal. Example: hay que estudiar = one must study or it is necessary to study.
tiene que = this comes from the verb tener and means "to have to" or "must." The verb tener usually has a specific pronoun (or noun) with it. Ex. Tú tienes que estudiar = you have to study or you must study.
Note that either construction must be followed by an infinitive.
To understand the difference between "hay que" and "tener que," we can look at the explanations provided.
"Hay que" is a phrase that comes from the verb "haber" and it means "one must" or "it is necessary." It is more impersonal and doesn't specify who specifically needs to do something. For example, "hay que estudiar" means "one must study" or "it is necessary to study."
On the other hand, "tener que" comes from the verb "tener" which means "to have." It is used to convey the idea of obligation or necessity. "Tener que" is followed by a specific pronoun (or a noun) and means "to have to" or "must." For example, "tú tienes que estudiar" means "you have to study" or "you must study."
Note that both "hay que" and "tener que" are generally followed by an infinitive verb, such as "estudiar" (to study). This indicates the specific action that needs to be done.