Almost all of our drills are hammer type here in UK as most of our buildings are masonry. The hammer setting allows the chuck spindle to move back a little when you put pressure on it. It then thrusts against a ridged plate so that it tries to oscillate in and out. The amplitude is low and the frequency is high so you won't notice the effect much at your hand but it will increase the drilling speed in masonry by about 3 times. Use a TCT masonry drill bit of course.
John