The RCMP released a report that defined what a hate crime is and isn't. In order for something to be labelled a hate crime , an actual crime has to have occurred. Calling someone a name is not a crime . It's rude and can be labelled a hate incident but it is not a crime. The difference between cemetery stones in a Jewish cemetery being vandalized and a Muslim being called a name is that one is a hate crime and the other is a hate incident.
Unless the authorities released a defined list of actions I would review all discussions with a grain of salt , and so should you.