Kate Upton and Lindsay Lohan have something in common ... because Kate's assets were FROZEN recently -- when the curvaceous 20-year-old model stripped down to her skivvies for an Antarctica photo shoot ... where the temperature hit 35 BELOW!!!
We're told Upton and a camera crew boarded a private 10-day cruise from Argentina to Antarctica for a super-secret Sports Illustrated cover shoot. The cruise departed November 29th and returned December 9th.
