At a luxury Caribbean resort, ten pairs of contestants, including a mother-and-son team, a pair of business partners, a husband-and-wife partnership, and a duo of best friends, play a thrilling, high-stakes game of cat and mouse in an attempt to win £250,000. The pairs of contestants receive their suitcases before taking part in an epic sightseeing selfie challenge and a surprise briefcase swap. During the climactic Night Cap in the resort’s bar, the Lady Luck, each pair gets the opportunity to switch or keep their briefcase, and the unlucky contestants who hold the Early Checkout Card must leave the hotel for good.

After a shocking opening night that saw the first contestants leave the hotel, the remaining pairs must sample dubious cocktails in a Room Service challenge, which sees the winning pair gain an important advantage. Later, the contestants temporarily leave the hotel as part of a Day Trip challenge, which has them digging for treasure on a tropical beach. The outcome of the challenge will decide the briefcase swapping order for the dramatic Night Cap later that night in the resort’s sumptuous Lady Luck bar. One pair of contestants will gain control of the fortune while another will leave for the airport in a taxi.

The contestants are left reeling by the dramatic events of the previous Night Cap, which saw one of the pairs depart the Fortune Hotel after casting suspicion on who they thought was holding the winning briefcase. Cutting short any time for dwelling on previous events, a devilish twist is employed, increasing the stakes and making the contestants even more eager to find the briefcase holding the fortune. Amid swirling secrets and subterfuge, matters become personal in a Room Service challenge before the contestants face river rapids in a Day Trip challenge.

The remaining pairs at the Fortune Hotel attempt to secure the winning briefcase and avoid the dreaded Early Checkout Card. Alliances form and suspicions grow, and a surprised pair of contestants faces a premature exit unless they can offload the losing briefcase. A fast-paced Room Service challenge sees the pairs stacking dominoes, and an epic, twist-filled speedboat Day Trip challenge tests which of the contestants can keep their heads above water. Tensions run high in the Lady Luck bar as the pairs have tough decisions to make.

The remaining pairs of contestants get closer to securing the £250,000 cash prize. A Room Service challenge takes a comedic turn when the pairs are judged on the merit of their artistic talents, and the Day Trip challenge places the contestants in the grounds of an impressive historic estate, where they will need to put aside their rivalries and work in teams with their competitors. As tensions run high during the Night Cap at the Lady Luck bar, the remaining pairs learn that luck always runs out at the Fortune Hotel.

With many pairs already eliminated, the winning briefcase is more within reach than ever for the remaining contestants. Alliances solidify and rivalries become stronger in the Caribbean paradise. A Room Service challenge sees the pairs attempt to pack as lightly as possible before their Day Trip challenge, which has them taking aim at their most bitter rivals in a ruthless game at the island’s rum distillery. At the Night Cap, an offer of help backfires dramatically.