Transform photos using adjustment layers, masks and blend modes
Open an image of a water’s surface. Go to File>Place and add a subject. Ensure that Constrain proportions is ticked, enlarge the image and turn it slightly clockwise, positioning it towards the bottom-left corner of the canvas.
Change the layer’s blending mode to Screen. Add a layer mask to the girl layer, select the Brush tool (B) and use a black Airbrush to mask out the background around the girl’s head and hands.
Click the ‘Create new fill or adjustment layer’ icon at the top of the Layers palette and choose Hue/Saturation from the fly-out menu. Right-click the Hue/Saturation layer name and click Create Clipping Mask to clip it to the girl layer below.
Change the Hue to +9, Saturation to -52 and Lightness to -9. Now add a Brightness/Contrast adjustment layer, again right-click its layer name and click Create Clipping Mask. Change the Brightness to -64 and Contrast to +100.
On the girl layer, press Cmd/Ctrl+J to duplicate it. Drag the lower copy to the top of the layer stack. Set its blending mode to Multiply and Opacity to 50%. Add a Hue/ Saturation adjustment layer, create a clipping mask, and change Saturation to -72 and Lightness to +9.
Add an image of some water ripples. Enlarge it to fill the canvas. Change its blending mode to Overlay and Opacity to 40%. Add a Brightness/Contrast adjustment layer at the top of the layer stack and set the Contrast to 22.