Josephine Foo Lai-Yan

Two feuding families brag about their sons on christening day. One, called Long-life, is destined to die early, while Sing, the other, will do well. Twenty years pass. Long-life has survived, and he fancies pretty Hsio. In a scene stolen from My Life As A Dog, he spies on her in the shower, falls through the roof, kisses her as he lands..... but then her spirit leaves her body. Having died naked, Hsio wanders around sans clothing, and is dubbed the Shy Ghost by other spirits she meets. What follows mainly concerns her family and friend's efforts to lay her spirit to rest. These include taking revenge on Long-Life, getting some clothes to her, stacks of fu fighting, incantations and a duel between a buddhist and a taoist.

Francis Ng stars as Chic, who helps his friend Che, a Taoist ghostbuster, with various assignments. They both owe gambling debts to the nasty mobster Rabid Hsiung, so they're in desperate need of money, leading them to take on a request from the elderly Taoist master Tang to help him capture the Banana Spirit. On a late-night search, the trio is frightened by a demon as well as awakening the Banana Spirit, Muyung Yu-Yu, who takes the earthly form of a beautiful model and seduces Chic. Chic and the ghost become lovers, and she saves his life when he is shot at by mobsters as well as helping him win a great deal of money at one of Rabid Hsiung's casinos. Hsiung figures out that Yu-Yu has special powers, which he attempts to use for his own benefit, but Chic kills him before he can realize his plans. Unfortunately, Hsiung rises from the grave as a clownish evil spirit looking for revenge, and Yu-Yu's allotted time on Earth is quickly running out.