在一场雨夜中，保险公司调查员古志明（饰演者：谭咏麟）奔赴家中参加与婚期四年的女友Ivy（饰演者：叶童)的订婚庆典。不幸，在滑坡处遭遇惨死的红衣女子... Ivy具有火暴性格，古志明尽管有失愤心情却只能耐煎。当晚，古志明的兄弟正在玩“盘仙游戏”时，遭遇了名叫张小瑜（饰演者：一位女鬼）的死亡信号... 第二天，古 shifted his focus to investigating the cause of Zhang Small's death in order to facilitate the insurance claim process. However, a series of strange incidents began to occur around him. As the relationship between ancient and Ivy became increasingly strained, the ghost of Zhang Small appeared in ancient's home, claiming that she had no malicious intentions but wished to receive the insurance money for her neighboring young girl. Ancient's superiors, however, hinted at classifying this case as a suicide to avoid paying out any benefits. The appearance of Zhang Small became more frequent, and ancient gradually developed feelings for this cute ghost...
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