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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.
Someone paying $105 today for a promise of $110 a year from now is paying an interest rate of 4.8% (=[$110-$105]/$105), a lower interest rate than the 10% interest paid by someone who pays $100 for that same bond. Similarly, the lower the bond price, the higher the rate of interest.