Is there any tutorial how to do water cut off effect?

im seraching for tutorial or something that can help me do this. do you guys have any solution or something how to get this amazing Effect ?

Dying Light 1

Dying Light 2

and i found unreal engine 4 video on youtube some1 already did it ! (video is not mine i just paste link here)
Physical Water Surface UE4 test 3 underwater effect cut - Link : - YouTube

Hey, looking to create a similar effect. Did you figure it out?

here is the solution