《花园酒店》讲述了从军阀混战一直到国共第一次合作破裂之后这段历史时期，爱国商人吴鑫平为了守护国家财产，建造徐州花园饭店，各方势力上演一场民国版夺宝联盟，与各方邪恶势力展开一番生死搏杀的较量。

　　Injured while risking his life to save an angry German shepard, Chicago Firefighter Jack Moniker retires and moves to a small carribean island named St. Nicholas. There, he is befriended by the owner of a run-down resort, Ernest Reed. Greedy developers are schemeing to wrest Reed's coveted beach front property from him for non-payment of taxes. Jack comes to Ernest's rescue, and together they renovate and reopen the resort catering to affluent Americans. The film follows the zany exploits of the proprietors, guests and various colorful island denizans, as they break in the new "Club Paradise".

　　阿杰（刘青云 饰）是一个怀才不遇的年轻音乐人，生活潦倒不得不独自住进了一个破旧的单位内，终日都沉默寡言。此时他也遇到了在庙街街头艺人的女儿阿敏（袁咏仪 饰），阿敏虽然自小便患有骨癌，但她还是乐观开朗的面对自己的人生，她对生命充满希望的态度感染了阿杰，令他找回了失去的自信，在事业上也看到了曙光。两人渐渐情愫互生，就当一切看来都十分顺利之际，阿敏的病情却日渐恶化，使她失去了往日的勇敢及坚强，变得暴躁起来。最后阿敏得到了阿杰与亲戚朋友的鼓励，可是阿敏体内的病魔还是不肯放手。