This is a slap stick comedy starring Veronica Yip. Milk (Veronica Yip) has three men in her life. First is her late husband who is now a ghost that left her with fortune, second Ronald who is her boy friend, and third Wai (Ken Tong) who's a struggling artist. While Milk and Ronald are dating, thieves comes and robs Milk's purse. Ronald chases them, but gets thrown into the harbor. As Ronald can't swim, Milk thinks he's drowned and died. Then Milk meets Wai at an art gallery where a group of thieves makes a stick up. Milk and Wai gets tied together, and from there their relation starts. Wai and Milk starts to get serious, and then Ronald comes back into her life as he was saved by a refugee boat. So now she has to shuffle three men in her life. Nothing too much more happens in this story. It's just one slapstick moment to another tattered with some forgettable nude scenes of people who comes and goes through Milk's life.
Veronica Yip was a hot star in the early '90s, and this is one of the movies that exploited her Asian beauty, and made a movie around it. So one shouldn't expect any depth or good plot out of this movie. She's made better movies as better roles started come her way during her relatively short career. Watch those instead if you're into her films.