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【EV Charging 101】Fast vs. Medium Charging, Battery Health & Cable Buying Tips

【電動車新手充電入門】快叉傷電池?點揀中叉同快叉?買充電線必知事項
Author
Eric Lau
Created On
2026-05-11
Edited On
2026-05-18

As a new electric vehicle (EV) owner, beyond getting used to the driving dynamics of an EV, one of the most confusing aspects is often the technical jargon—kW ratings, Single-Phase vs. Three-Phase, and the various terms for charging speeds. In this guide, Kwiksure provides a deep dive into the details, breaking down charging complexities and debunking common myths specifically for EV beginners in Hong Kong.

Table of contents
  • How to Distinguish Charging Plugs?
  • What is Medium Charging / Fast Charging?
  • Does a higher kW rating mean faster charging?
  • What is the difference between Medium and Fast Charging?
  • What factors affect Fast Charging speed?
  • What are the limitations of Fast Charging?
  • Does Fast Charging damage the battery?
  • How to buy the right charging cable?
  • Frequently Asked Questions
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How to Distinguish Charging Plugs?

EV charging starts with the standard. The vast majority of electric vehicles in Hong Kong adopt the European standard. While some Japanese brands use the CHAdeMO standard for fast charging, they are becoming increasingly rare, so we will focus on the European standard this time.

The European standard is divided into AC (Type 2, for Medium Charging) and DC (CCS2, for Fast Charging). When you open the charging cover on your car, you will see two plastic caps (some models only have one). If you are only using Type 2 medium charging, you only need to open the top cap. If you need CCS2 fast charging, you must open both caps to insert the charging connector.

What is Medium Charging / Fast Charging?

To understand how charging works, you can imagine it as "filling a bucket with a water hose." The kW represents the hose: the thicker the hose, the higher the flow rate, and the faster the bucket (battery) is filled. So, what exactly are the terms "Slow Charging," "Medium Charging," and "Fast Charging" that people often use?

 

Slow charger

Medium Charger

Fast Charger

power

About 2.8 kW - 3.7 kW

7 kW - 22 kW

50 kW - 350 kW

source

Household 13A three-prong plug

AC alternating current

DC

characteristic

Using a standard wall-mounted connector is extremely slow.

A common type found in shopping mall and residential complex parking lots. The fuselage is relatively thin. Generally, wall-mounted charging is used, and a charging cable must be provided by the user.

The charger is bulky and must designed to sit on the floor and comes with a charging cable.

When is appropriate to use

It can be parked for extended periods; for a 60kWh electric vehicle, a full charge often takes more than 20 hours.

Suitable for watching movies, eating or working, generally need to be parked for more than a few hours to replenish most of the battery

Most electric vehicles can recover nearly 80% of their battery capacity within an hour, making them suitable for rapid recharge.

Does a higher kW rating mean faster charging?

In theory, a higher kW rating represents a faster rate of power transfer. However, should you choose a charging station based on the kW value alone? Why do some medium charging stations indicate 7kW, 22kW, or even higher?

This is because AC (Medium Charging) involves Single-Phase and Three-Phase power. For easier understanding, imagine Single-Phase as one water hose supplying water, while Three-Phase has three hoses supplying water simultaneously. Let’s look at the following calculation methods.

Single-phase electricity vs. three-phase electricity

  • Single-phase electricity: Powered by only one wire.

Calculation formula: 220V x 32A = 7kW

  • Three-phase electricity: Power is supplied by three wires simultaneously.

Calculation formula: 220V x 32A x 3 = 21kW - ​​22kW

However, a high kW rating does not necessarily mean faster charging speeds; it also depends on the vehicle's compatibility. For example, if a vehicle only supports single-phase charging, it will still only receive a maximum of 7kW even when using a 22kW charger.

What is the difference between Medium and Fast Charging?

When charging with AC (Medium Charging), the vehicle acts as a "conversion station." It relies on the On-Board Charger (OBC) to convert the AC power from the wall into the DC power that the battery can absorb. Therefore, it is limited by the phases and power capacity of the OBC.

In DC charging (Fast Charging), the charging pile itself is a massive "conversion station." It directly injects high-power direct current into the battery, bypassing the OBC inside the vehicle. As a result, the concept of single-phase or three-phase does not exist in DC fast charging; there is only the matter of matching power (kW), voltage (V), and current (A).

What factors affect Fast Charging speed?

Output limits of the charging pile

For example, if a fast charging pile is labeled as 50kW / 500V / 125A, it means the maximum current it can provide is only 125A.

Vehicle battery voltage architecture

There are currently two mainstream voltage architectures for electric vehicles: 400V and 800V. The 400V platform includes the Tesla Model 3 / Y and most existing EVs. The 800V platform is beginning to appear in high-end models, such as the Zeekr 009 / 7X, Porsche Taycan, and Hyundai IONIQ 6.

To calculate the speed, we can use the following formula:

Example 1

Comparison of charging speeds under different voltage architectures

Vehicle voltage architecture

400V

800V

Charging pile output power

250kW

250kW

Charging pile current limit

500A

500A

Actual charging speed

200kW

400kW

Example 2

Comparison of charging speeds under different currents

Vehicle voltage architecture

400V

800V

Charging pile output power

120kW

120kW

Charging pile current limit

125A

125A

Actual charging speed

50kW

70kW

What are the limitations of Fast Charging?

All electric vehicles are equipped with a Battery Management System (BMS), which means the vehicle requests power based on the battery's temperature and state of charge. When the battery level exceeds 80%, the BMS instructs the charging pile to "narrow the hose," causing the output power to gradually decrease. Additionally, a single charging pile often provides two fast-charging plugs. If both are used simultaneously, the power will be split; for example, a 250kW pile's maximum power would drop to 125kW per plug. A third factor is battery temperature—if it gets too high, the charging speed will also be restricted.

Does Fast Charging damage the battery?

The theory that "fast charging damages the battery" is technically valid because the heat generated during charging accelerates the internal chemical decomposition of the battery. Furthermore, if the charging speed is too fast, lithium metal may accumulate, which in severe cases can form "dendrites" that lead to short circuits.

However, there is no need for excessive concern, as modern EV battery temperature control technologies—such as the Battery Management System, cooling systems, and pre-conditioning functions—are now extremely precise. According to a 2026 research report from Geotab, EVs that frequently use fast charging have an average annual battery degradation rate of 3%, with an estimated 76% capacity remaining after 8 years. In contrast, EVs primarily using medium charging have an annual degradation rate of 1.5%, with an estimated 88% capacity remaining after 8 years. As shown, even EVs frequently using fast charging retain 75% capacity after 8 years, which is still higher than the 70% threshold claimed by most manufacturers.

How to buy the right charging cable?

If you plan to use medium charging for your EV, a charging cable is definitely a must-buy item. But how do you choose the right one? it depends on the following factors:

  • Single-Phase / Three-Phase

As mentioned above, single-phase uses only one wire for power supply, while three-phase uses three wires simultaneously. First, you should understand whether your vehicle supports single-phase or three-phase charging. You can distinguish this by observing the vehicle's charging socket: if there are metal pins inside the middle-right hole and the two bottom holes (L1、L2 & L3), the vehicle supports three-phase charging. If there is a metal pin only in the middle-right hole(L1), the vehicle only supports single-phase charging.

  • Current

As the name suggests, current is the flow of electricity; the higher the number, the faster the current flow. Charging cables are generally divided into 16A and 32A. Different types of charging cables are available to match different phases.

Charging speed of the Medium-range charging cable

Current/Phase

Single phase

Three-phase

16A

3.5kW

11kW

32A

Approximately 7kW

Approximately 22kW

Generally, charging cables are labeled with the phases and current they support. When buying a cable, check the label on the plug; for example, "32A 3P" indicates a 32A three-phase charging cable, while "32A 1P" represents a 32A single-phase charging cable.

Frequently Asked Questions

What is the difference between EV Fast Charging and Medium Charging?

During medium charging, the vehicle acts as a "conversion station," relying on the On-Board Charger (OBC) to convert AC power from the wall into DC power that the battery can absorb. Therefore, it is limited by the OBC's phases and power. During fast charging, the charging pile itself is already a massive "conversion station," directly injecting high-power DC electricity into the battery.

 

Does choosing a higher kW rating mean an EV will charge faster?

A high kW rating does not necessarily mean faster charging speeds; it also depends on the vehicle's compatibility. For example, if a vehicle only supports single-phase charging, it will still only receive a maximum of 7kW even when using a 22kW charger.

Contact Kwiksure to get electric car insurance quotes

Kwiksure has over 20 years of experience in the electric car insurance industry, comparing quotes from over 60 insurers in Hong Kong. Use our online quotation tool now to get a free electric car insurance quote!

The above information is for reference only. Kwiksure takes no responsibility for the accuracy and timeliness of the information. For the coverage, mode of compensation, benefit limit and premium levels of any specific insurance plan, please refer to the relevant policy terms.

Eric Lau
Author
Eric Lau

Eric is a content creator for Kwiksure, responsible for writing articles on various topics such as cars, travel, domestic helpers, etc., striving to provide readers with detailed and practical information.

With over 20 years of experience in the media industry and driving, Eric has worked for several newspapers, magazines, and online media outlets. Apart from his passion for writing, he also enjoys the pleasure that driving brings. On average, he drives over 40,000 kilometers per year.

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