"Final Romance" opens in the snowy Japanese town of Yusawa. Rich girl Jean (Amanda Strang) and her best friend Faye (Cindy Au) are delivering her sister's ashes to Wu, her sister's final lover.
En route to Yusawa, Jean and Faye run into auto-mechanics Dik (Edison Chen) and Sena (Sam Lee). It turns out that Dik is Wu's younger brother, and that Wu was killed earlier that year in a car accident. Ironically enough, Dik has brought Wu's ashes to the mountain to deliver to Jean's (dead) sister.
Both parties stay at the "love hotel" nearby while they decide what to do with the ashes. Unable to come to a satisfactory decision, they all take off for a day at the slopes. While skiing, Jean loses the pills for her weak heart condition. One would think skiing would be hell on a weak heart, but Jean's jumping over snowdrifts with the best of them.
Back in the hotel, Jean has noticed her pills missing. Everyone piles into a car and Dik races them down the mountain, to a nearby town. After a quick trip to the hospital, Dik takes Jean out to a nearby auto racing circuit. Jean asks him if he'd ever give her a ride in his racing car, and Dik replies "I only give rides to my lover."
Meanwhile, Hira, the son of the hotel owner, has gotten lost on the slopes. With a storm warning in effect, the hotel sends out a search party. Jean and Dik manage to find Hira and send him safely back to the lodge, but are trapped in snow themselves. Dik hollows out a cave and sternly tells Jean not to fall asleep in the snow. They both get colder as the night grows on, so Dik offers his jacket to Jean and huddles next to her for warmth. When it's time for her heart medication, Dik administers the pill and warms a handful of snow up in his mouth to help her wash it down.
The next morning, a rescue party finds them both. Jean recovers first and nurses Dik back to health. He tells her: "Your soup is horrible, but I like it very much" and the two of them fall in love. That night, in the middle of family festivities, Jean's irate dad, Mr. Chow (Simon Yam) shows up and drags his daughter back to Hong Kong. Dik is left stranded by the hotel's wishing tree, waiting for Jean to show up.
Dik and Sena head back to Hong Kong to their workplace. There, they find their boss Mon-Yeung (Terence Yin) supervising an illegal boxing match. Mon-Yeung takes Dik into the back room for a conversation about Dik's brother. The insurance company won't pay up for Wu's death, but I'm far more interested in the room decorations: Mon-Yeung has a chandelier made entirely out of Heineken beer bottles hanging above the table. Who said auto mechanics weren't a classy lot?
Jean's father is none too impressed with Jean's new boyfriend. He tells her to "forget about your sister's bone ash", then sets her up with Peter, her cardiac surgeon. Peter seems to be a bit of a snob, and if you can't spot who'd Jean would rather be with (and eventually end up with), then you haven't been watching too many teen movies lately. Rich, snobby cardiac surgeon vs. poor, hunky auto mechanic: poor Peter never had a chance.
Meanwhile, Dik finds out where Jean lives. He parks his red sports car outside of her mansion and waits for her day and night. Mr. Chow finally loses patience, and sends his goons out to beat up Dik.
Jean and Faye visit the auto body shop and talk with a Dik. He doesn't seem worried that Jean is engaged to Peter, and asks her if she still wants to take a ride in his car. Jean turns and leaves, as the police arrive to arrest Dik and Sena for trespassing.
At the police station, Sena steals an invitation to Jean's engagement party, as Mr. Chow tries to bribe Dik into never seeing his daughter again. Dik refuses, and Mon-Yeung bails them out of jail, offering Dik a bit of perplexing advice: "Don't paster with that girl anymore." Dik promptly ignores the advice; he's planning on pastering her plenty.
Sena delivers a letter to Dik informing him that he's been accepted by the Japanese racing circuit. Dik crumples up the letter, and then tries to drive off to see Jean. Sena stops him, and a brief scuffle takes place. They both eventually collapse in a heap of used oil, and Sena proffers Dik the purloined invitation to Jean's party.
At Jean's engagement party, she's forced to dance with a handful of Ivy-league graduates (horrors!) and one ringer from UCLA before Dik shows up. He creates a diversion and the two of them flee the party. Both of them admit their love for each other, and Jean decides to break off her engagement with Peter. Jean happily returns home and breaks the news to her father that she's not going to marry Peter.
Meanwhile, Mon-Yeung has found out that Wu's death wasn't an accident: Mr. Chow had him killed. Mon-Yeung swears vengeance for his best friend and takes off after Mr. Chow.
Sena calls Dik and informs him of Mon-Yeung's murderous plan. Dik meets up with them, and physically places his car between Mr. Chow and the rocky cliff. Mon-Yeung draws a blade and lunges to attack. In an almost Shakespearean moment, Dik dashes in front of Mr. Chow and takes the blade, full force. As he faints to the ground, Jean runs up and starts crying over his body.
Jean's crying seems to have the proper effect on everyone involved. Both Mon Yeung and Mr. Chow start tearing up and blinking furiously, while Dik bleeds on the ground, Jean faints and the movie fades to black.
When Jean recovers, she finds out that she's been in a coma for six months, recovering from her heart operation. She tells us, rather gleefully, that her father died in great pain of terminal cancer two months ago. Faye has hooked up with Sena and the two of them are gallivanting around the world together.
Jean pays a visit to the wishing tree in Japan. She hears someone calling her name, turns around and sees - Dik! He's not dead! He recovered completely from the stab wound and promised Jean's dad to let her recover in peace without him. The two of them kiss as the camera swirls up the wishing tree and into the end credits.