五福星五伙伴（洪金宝、秦祥林、冯淬帆、吴耀汉和曾志伟），困在无聊之中，吹牛外出寻找女郎，但终是没有成功。为了解决这个问题，五福星们约定前往离岛度假。但路上不断发生麻烦，他们却在这些麻烦中感受到了愉悦和喜悦。在晚上玩耍取乐时，突然听到来自隔壁大宅的怪异声音。大生地和鹧鸪菜 brave the danger to investigate, only to discover a male and female ghost. The next day, they reported their strange encounter to the Ice Queen Flower (胡慧中), who was skeptical of their story. Nevertheless, she dispatched her four beautiful detectives (Tian Lei, Xiao Yue, Xiao Jie, and Xia Xue) to investigate the haunted house. The five friends initially planned to scare the detectives but ended up getting scared by the male ghost (Chen Bai Xiang). This ghost had been brutally murdered in his past life, leaving behind a cherished lover, and was now tormented by a greedy female ghost. Moved by sympathy, the five friends vowed to help this ghost fulfill his last wish...
五福星撞鬼影评