Lai was born in Hong Kong on 23 June 1953. she is of Meixian and Guangdong ancestry.
In 1966, Lai, her elder sister, and the other four male singers formed a musical band named BumbleBee to promote their traffic and road safety song in Hong Kong.
She starred her last role in Forever Love Song (曲終情未了) before leaving the entertainment industry in 2000.
[2] In October 2012, Lai was notified of her ex-husband Wai's death; she signed in grief and said life is unpredictable.
She later starred in her minor role as Madam Shen (沈夫人) in the 2015 Chinese television drama Fu Rong Jin (芙蓉錦).