Tai Kam-chai (Kent Cheng), aka Loan Shark, is a gangster style money lender who uses some dodgy debt collection method. Even though his wife Rose Chu (Maggie Shiu) keeps persuading him to quit, he has no regrets about what he is doing. Police Inspector Ching Yue-sum (Lai Lok Yi) has been keeping his eye on Kam-chai’s flagrant business and debt collection activities. Yue-sum has a righteous character and despises wrongdoers. He is determined to bring the villains to justice. On a certain day, amid thunderous lightning, Kam-chai abandons his ruthless ways as he is moved by some heavenly enlightenment. He uses his wealth to make contributions to the community and eventually transforms into Everybody’s Generous Papa.