First, you need open the new file document:
Width: 1920 px
Height: 1080 px
Resolution: 72 px/inch
Color mode: RGB color
Go to view menu > New Guide Layout...
Columns: 2
Rows: 2
Click on New layer. or you can press Ctrl + Shift + N to make new layer.
Move the mouse and select the Maquee tool, then click on rectangle shape. Draw a rectangle shape.
Then select the color you want. After that right click > Fill > Foreground , then click OK.
Select the white color, or #ffffff then press OK.Repeat this step about 4 times, after that you will see you have this result in below.
Create new layer, then add a heart shape in center of the paper.
Shortkey to make new layer: Ctrl + Shift + N.
Select the marquee tool, then right click on section shape, choose stroke and input white color and 40 px. Then click OK.
Then add a row line, after that we have the shape like this picture in below:
Hold Ctrl button and click on the heart shape layer, then select the top layer. Go to Edit menu > Cut.
The final step:
Go to File menu, click on place embedded.. then choose the picture you like and insert them.
After that, resize this picture to fit with the shape. With other shape, you repeat this steps.
Then go to Layer menu > Create clipping mask.
And you can see this is the final result:
See this video below for more detail:






















































