Preheat Oven: Set your oven to 200ºC (400ºF). Prepare a baking tray by lining it with baking or parchment paper.
Combine Dry Ingredients: In a large mixing bowl, whisk together flour, baking powder, garlic powder, salt and pepper until well mixed.
Incorporate Butter: Add chilled, cubed butter to the flour mixture. Use your hands or a pastry cutter to work the butter into the flour until it forms coarse crumbs.
Add Ham, Cheese, and Chives: Stir chopped ham, grated cheese, and chopped chives into the flour mixture until evenly distributed.
Add Milk: Make a well in the center of the dry ingredients and pour in the milk. Gently mix with a wooden spoon or spatula just until the dough comes together; avoid overworking the dough, it’s if there are some floured parts.
Shape and Cut Dough: Turn the dough out onto a floured surface. Gently pat it into a thick disc, about 3cm (1 inch) high and 15cm (7 inches) across. Dip a 6cm (2 inch) round cookie cutter into flour to prevent sticking, and cut out scones. Place them on the prepared tray, slightly touching each other.
Reuse Dough: Gather any excess dough, re-pat it to 3cm height, and continue cutting out more scones until all the dough is used.
Brush & Sprinkle: Brush each scone with the milk and sprinkle the extra grated cheese on each scone.
Bake: Bake for 20-25 minutes until puffed and lightly golden on top and the insides are set without any wet batter visible..
Cool: Let the scones cool on the baking sheet for 5 minutes, then transfer to a wire rack to cool or serve warm with a spread of butter or cream cheese. Enjoy!