Neal Brose, an expat lawyer, lives alone on Lantau Island in an apartment he used to share with his wife, Katy Forbes, who left him because they could not have children. The apartment is haunted by the ghost of a girl, although initially it is unclear if Brose is referring to her, to his ex-wife or to his Chinese maid, with whom he is having an affair. Meanwhile, the owner of the financial institution where Neal works, Denholme Cavendish, has asked him to manage a secret bank account, number 1390931, belonging to Andrei Gregorski from Saint Petersburg.