Kate (Helena Bonham Carter) is secretly betrothed to a struggling journalist, Merton Densher (Linus Roache). But she knows her Aunt Maude (Charlotte Rampling) will never approve of the match, since Kate's deceased mother has lost all her money in a marriage to a degenerate opium addict (Michael Gambon). When Kate meets a terminally ill American heiress named Millie (Alison Elliott) traveling through Europe, she comes up with a conniving plan to have both love and wealth.