During the Qing dynasty in Beijing, a powerful empress took over the throne.The story focus on four different families. The Chai family, Chai Hok Yan, who was betrayed by other officials and the whole family was sentenced to death. Chai Pak Chuen was the only survivor in the Chai family because a loyal assistant of his switched identities with him. Pak Cheun changed his name to Fan Chi Chai and traveled to a different city to start a new life. That's when he met the Kiu family. Kiu Bun Yip, is a successful business banker, however, he also has enemies, including the Cho family. Bun Yip invited Pak Chuen to his bank Ding Fung Shing to learn about banking. At the same time, he met Cheung Shung Man, the two of them became best friends.