Protect exposes a per-camera quality control, and on most models you can set an explicit bitrate value rather than accepting a preset. That setting, not the sensor, is what determines your storage curve.
Higher resolution does need more bitrate to look equivalent, which is the real reason 4K costs more to retain. A 4K sensor starved of bitrate will not save you money so much as it will hand you a blocky image on exactly the frame you needed to be sharp.
Variable bitrate means the configured number is a ceiling. A static interior hallway will encode well below its ceiling all day, while a parking lot with wind-moved foliage, headlights, and precipitation will push toward it and stay there.
Night and IR inflate the number. Low-light gain produces sensor noise that the encoder cannot distinguish from real detail, so overnight hours frequently consume more per hour than midday does.
H.265 is a real reduction, not a fixed discount. Where a camera supports it, H.265 delivers comparable perceived quality at meaningfully lower bitrate than H.264, but the savings depend on scene motion — and in a mixed fleet, only the cameras that support the codec get the benefit, so check the spec sheet for each generation before you assume fleet-wide savings.
Frame rate is the underused lever. Where the camera exposes a frame-rate control, dropping from 30 fps to 15 fps on scenes that do not require motion fidelity reduces demand without touching image quality on any individual frame.
What's more, audio and the smart-detection artifacts Protect stores alongside video add a small but nonzero overhead. It will not change your sizing decision, but it is one more reason not to plan to the last gigabyte. If you are still selecting hardware, the tradeoffs between sensor generations are worth working through in how to choose a UniFi camera and across the current UniFi camera lineup before you commit to a resolution mix you have to feed for the next five years.