Loan-shark king Kent Chang has always used underworld tactics to run his loan-shark business and employs improper methods to collect debts. Although his wife Maggie Siu has urged him to wash his hands of the business, he is unrepentant. As Kent operates his business and collects debts, he attracts the attention of detective Chris Lai. Chris, who is righteous and abhors evil, vows to fight against evil forces. One day, lightning strikes down from the sky and Kent is moved by the heavens. Since then, he has laid down the butcher's knife and used his fortune to give back to the community, becoming a "Neighbourhood Fortune Man".