Magnum is preparing for this year's big surf-ski race, while in a chance meeting, Higgins meets Lady Wilkerson, an English Duchess whom he has been smitten with after two brief encounters years before (which she does not identify him from). She is in the islands incognito, and must sell some valuable family jewels after being strapped financially, but Higgins ends up saving her from two men who accost her in an alleyway. As smitten with the woman as ever, Higgins offers her a job on the Estate, and plans to reveal his feelings towards her via a letter, but due to a mix-up and misunderstanding, she assumes the letter to be from Thomas instead, whom it becomes apparent she has eyes for, blind to Higgins' desires. But these confused matters of the heart seem trivial when the Duchess is kidnapped by the two men who had made a grab for her previously...
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