14 kp means that the item is exactly 14 karats of gold. As for
the diamonds, only a bench jeweler or a jewelry appraiser can
determine if they are real. Even a picture can't tell for certain.
Some quality karat gold jewelry uses white stones that can be white
sapphire, quartz, white topaz, or even cubic zirconia. I'm not
familiar with the 281 fjg. This could possibly be the maker's
mark.