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Rose then throws the necklace off the Keldysh, just above the Titanic. By throwing the necklace into the Atlantic ocean, Rose finally lets go, becuase she is ready to make peace with Jack and the other Titanic victims, as she is finally ready to die, and can now no longer go on.
The real-life Hope Diamond was worn by Louis XIV as a necklace, the fictional Heart of the Ocean was part of Louis XVI's crown. The Hope Diamond is currently insured for $250 million, and is sometimes considered to be worth up to $320 million, so the Heart of the Ocean would be more than that.