It only exists as a real particle under certain conditions, but one of the fun things in physics is that particles don't have to exist in order to do stuff. For example, tritium is a radioactive isotope that decays when one of its neutrons emits a W- particle and turns into a proton. That W- particle in turn splits into an electron and an electron antineutrino.
The mass of a W- particle is about 80 GeV/c2 but the mass of a whole tritium atom is less than 3 GeV/c2, so conservation of mass says that you can't have a real W- there. Instead it exists as what's called a "virtual particle", appearing and disappearing quickly enough that it can evade the conservation law. To actually "see" a W- you need to whack some stuff together hard enough to provide at least 80 GeV of energy. It would be a similar scenario with the Higgs, but the energy required to flip it from virtual to real is even higher.
The Higgs mass is equal to 1/2 the sum of the masses of the W+, W-, and Z0 bosons, which is around 126 GeV/c2. So don't worry about it. But iof asked, you could say it's made of snips, snails, and puppydog tails.
Higgs boson has an inny versus an outty thus it is “sugar an spice” .....
Everything else is good .....:o)
If this were banking, it would be like a situation in that your credit limit depends on how long you want the money. So you could borrow 100 000 USD for 2 years, or the whole national debt for 2 microseconds. (Not actually long enough to spend any of the proceeds, that is.)
Real banking is not like that, but real physics is.