Not sure how hate crimes work in the UK, but in the US the label hate crime is applied after the crime has been committed. Being verbally abusive to someone is not a "hate crime" because it is not a crime at all. Being verbally abusive to someone and then committing an actual crime could potentially render it a hate crime, depending on the language used. You can call someone any discriminatory name you want and you can't be arrested for that alone. Call them a name and then assault them, or stalk them, or disturb the peace, or trespass, and you may be guilty of a hate crime.