平凡夫妻濮通（艾伦饰）和米粒（王智饰）因被公司拖欠工资导致交不起房租；富二代杨小伟（鲁诺饰）不被亲爹宠爱，欠下巴爷（任达华饰）一笔巨款无处偿还。被钱逼到绝路的三人相遇，索性上演了一出富二代绑架案，一路认怂的夫妻变身假绑匪，最穷富二代变身假人质……

一番折腾下，杨小伟的首富爸爸杨台竣（金士杰饰）最终承诺了1000万的“赎金”。但事情远不止这么简单，狡猾的杨台竣并不想真的付钱，黑帮老大巴爷也气势汹汹上门要债。面对大佬们的四面夹击，濮通、米粒和杨小伟三人会如何应对？

Penniless and desperate for money, a married couple and a fuerdai cook up a fake kidnap for ransom scheme among themselves.

Married couple Pu Tong and Mi La are as ordinary as can be. When their employers default on their compensation, they are unable to pay rent. Yang Xiao Wei is a fuerdai "second-generation rich" who is unloved by his own father. Xiao Wei owes Ba Ye a substantial sum of money that he has no way of paying off.