The breasts are conveniently covered by a "lei" (flower necklace) and nothing else. The bottom is covered by a skirt made of long grass or leaves, ideally with no underwear

The LoRA is fairly flexible; for example, you can easily make your character wear a lei on top of a t-shirt and blue jeans. It can also do NSFW - see below for details

LoRA strengths up to 1.0 work perfectly fine, but you may want to turn the strength down when combining with certain other LoRAs

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Trigger Words:

To create the lei, use the trigger word: lei

To create the grass skirt, use the trigger word: grskirt

Adding a further description of the lei's color, such as white lei or red lei can help get a better-looking lei as well as giving some control over color
Most of the time, the lei will include some white flowers even if you specified a different color
If you don't have a lei color preference, try adding "white lei" to the prompt anyway, it often helps to get a better-looking lei with interesting colors
If the lei looks too much like a blurred combination of flowers, try adding "red flower" or (or any other color) to the prompt, this will usually produce at least a couple distinct single red flowers

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Accessories:

The LoRA can easily produce flower wreaths worn around certain other parts of the body! Try the following:

anklet
wristband

For single isolated flowers on the head, try

hair flower

For a band of multiple connected flowers on the head, try

head wreath

To specify whether you'd like the band of flowers to run across the forehead or across the top of the head, try adding

for the forehead: headband
for the top of the head: hairband

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Prompts to try:

For a full-body dancing pose

dancing, tiptoes, pigeon-toed, barefoot, standing on one leg

To accentuate the diaphanous nature of the outfit, try

wind, floating hair

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NSFW:

Try any of the following prompts to get a versions of the full outfit where certain parts are revealed instead of hidden behind the flowers or skirt:

nipple slip
nipples
areola slip
from below, vagina, upskirt
from behind, ass, butt crack, vagina, thigh gap

To remove the grass skirt, just add this to your prompt:

bottomless

Removing the lei entirely is more difficult

Merely adding "topless" is often not enough

You can try adding the following to your negative prompt:

Negative Prompt: lei, flower necklace, necklace, choker

Although it is difficult to remove the lei entirely, it's easy to make it smaller/moved to the side so that the nipples are revealed

Just use prompts like "nipples" suggested above