I didn't understand the difference until it was pointed out to me that for PCP I pay a significant deposit - typically £3-4k, whereas for Lease/HP you don;t - the initial payment might only be 3, 6 or 9 months lease charge. Also for PCP in addition to being able to hand the vehicle back once 50% of PCP finance is paid through monthly payments (see GiF) I can buy myself out the agreement at any time by buying the car, or wait until the end and pay the balloon to buy it - or just hand it back.
That's why for our new car we have gone the PCP route. We intend to buy it in a couple of years and keep for however long.
We could not do that with Lease/HP - yes we could have paid the outstanding finance if we decided to pull out early - but we would not have owned the car.
And so I fear that if the financing is Lease/HP then the answer to OP question is an unfortunate one. 
