[CaptainZapp]

  Saying "I hate disabled people" is hate speech, because they're not disabled to spite you. 

This is an opinion and I would be very surprised if this is illegal in any European country. It's certainly not hate speech. You may just out yourself as a complete asshole and rightfully suffer social consequences if you use such speech.

Now, saying something like "Disabled people are the scum of the earth and should be eradicated" would probably fall under hate speech laws in some jusidictions.

Note the qualitative difference of the statements.