The movie's title, 'Life in Last Hour,' is taken from the name of the radio show in the movie hosted by Yat-fung (HUNG Chiu-fung) and Mary (LAN Sai). It is a phone-in program that allows its audience to talk about their feelings and problems.
This results in two stories: The first story begins with Sam (CHEUNG Tat-ming), a man on the edge of bankruptcy who fails to pay the interest on a debt to a loan shark (PAT Leung-kam). Subsequently, he kills the loan shark and acquires a suitcase filled with money. He spends the money with his girlfriend, Suki (TONG Ying-ying), and then tries to end their lives.
The second story starts with May, a victim of a love triangle between herself, Fai (Gabriel Harrison), and another woman. She tries to commit suicide by burning carbon in a closed apartment, but she calls Yat-fung's program, hoping her boyfriend will come and save her. After this segment, the movie returns to Yat-fung. He has just gotten divorced from his wife, June (LUI Yau-wai), and has failed to get custody of his son. At the same time, he has the heavy burden of school fees for his two daughters and the medical costs for his father who is about to have an operation.