Stephen Chow returns as Chow Sing-Sing, the obnoxious undercover cop who seems to get into all sorts of trouble, only this time he doesn’t go back to school. Instead, Chow goes undercover as the husband of a wealthy socialite (Anita Mui), which doesn’t sit well with his fiancée played by Cheung Man who tries to convince Chow to quit working as undercover.
TC Lee, a senior policeman whose mounting debts are making headlines in the local press. Lee’s not the only person in trouble at his police station, where a handful of colleagues are paying off the bank or worse, are becoming locked into repayments to gangland debt collectors. When Lee and his colleagues become caught in the loan sharks’ spiraling interest charges and organized pressure tactics, they become vigilantes and fight back.