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In the movie, Lovett says the Heart of the Ocean is worth more than the Hope Diamond.. 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.
You can see that a 1-carat oval diamond can be as much as 25%-40% cheaper than a round diamond. A 1-carat oval diamond on James Allen goes for about $3,800-$4,700, while a 1-carat round diamond costs at least $5,000. They look larger than round diamonds too.