How much does a 0.20 to 0.49ct J IF natural heart diamond cost?

As of October 2026, 0.20 to 0.49ct J IF natural heart diamonds typically cost HK$2,685 HKD to HK$5,933 HKD, with a median price of HK$3,826 HKD. There are currently 4 diamonds matching this specification available across retailers.

Where can I find the best price on a J IF heart diamond?

About 36% of these diamonds are available at multiple retailers, with an average price spread of 34%. A comparison tool like Carat Hunter lets you see all the prices side by side.

0.20 to 0.49ct J IF Natural Heart

Quick answer

As of October 2026, there are 4 natural heart diamonds with J colour and IF clarity in the 0.20 to 0.49ct range available across retailers worldwide. Prices typically run HK$2,685 HKD to HK$5,933 HKD, with a median of HK$3,826 HKD. At least 20 retailers stock this exact specification, and 36% of the stones appear at more than one of them, with an average price spread of 34%. Half of all listings fall between HK$9,080 HKD and HK$12,919 HKD per carat.

Three of the best scored stones at this specification right now:

Caratlytics Diamond Price Index, September 2026: natural diamonds at 2,335 USD per carat and lab-grown at 443 USD per carat, a natural to lab ratio of 5.3 to 1. Heart natural stones in the index: 2,374 USD per carat, +9.8% month on month. See the full index release

Figures come from current listings across more than 100 retailers and refresh daily. The index is a monthly release.

Last updated: October 2026

Available

Lowest Price

HK$1,979 HKD

Highest Price

HK$8,748 HKD

Average Price

HK$3,965 HKD

Market Intelligence

Retailers Selling

Cross Retailer %

35.7%

Price Spread

34.3%

Volatility (30d)

0.00

Price Range

Price per carat distribution across retailers

$1,426/ct

10th Percentile

$1,108

Median

$1,426

90th Percentile

$2,054

Score Distribution

11 diamonds scored across 3 quality tiers

Excellent

4 (36.4%)

Good

2 (18.2%)

Average

5 (45.5%)

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Related Specifications

D IF D VVS1 D VVS2 D VS1 D VS2 D SI1 E IF E VVS1 E VVS2 E VS1 E VS2 E SI1 F IF F VVS1 F VVS2 F VS1 F VS2 F SI1 G IF G VVS1 G VVS2 G VS1 G VS2 G SI1 H IF H VVS1 H VVS2 H VS1 H VS2 H SI1 I IF I VVS1 I VVS2 I VS1 I VS2 I SI1