這個句子的虛擬情況跟壹般的情況類似，
壹表示對現在的虛擬，謂語動詞用 would do
I have no money，otherwise（or）i would help you。
二、對過去的虛擬，句子的謂語動詞用would have done
I had no money，otherwise（or）i would have given you a hand。
三、對將來的虛擬，謂語動詞用would do
I have no money，otherwise（or）i would buy an apartment next year。