Into the Blue (2005) on Netflix

Jared Cole and his girlfriend Sam Nicholson are a young couple living in the Caribbean. Jared is an unemployed diver whose dream is to find treasure in the Caribbean Sea and Sam works at a local resort as a shark handler. When Jared's best friend Bryce Dunn, a selfish New York lawyer and his new girlfriend Amanda Collins arrive, the two couples spend a couple of days experiencing paradise. But, they discover an airplane on the sea floor that crashed during a hurricane and they find the cargo on-board the airplane is cocaine. Jared and Sam's lives are in danger, when Bryce and Amanda make a deal with a dangerous drug lord who wants the cocaine. Jared's rival, Treasure Hunter Derek Bates learns what they are doing and tries to negotiate the cocaine to raise money for a expedition where he intends to find a sunken boat with treasure. Jared, Sam, Bryce, and Amanda find themselves racing against time to find the shipwreck before somebody else does.