Grate the cold unsalted butter and place it in the freezer while gathering dry ingredients. Set a timer for about 10 minutes.

In a large mixing bowl, whisk together the all-purpose flour, baking powder, kosher salt, and optional garlic powder. Add the chilled grated butter and toss until coated.

Gently fold in the shredded cheddar cheese, chopped ham, and minced chives. Mix until evenly distributed, being careful not to overmix.

Drizzle cold whole milk gradually while mixing, until a shaggy dough forms. Add more milk if the dough is too dry.

Transfer the dough onto parchment paper, pat into an 8-inch circle, and cut into wedges.

Chill the cut scones in the freezer for 15-20 minutes while preheating the oven to 400℉.

Arrange chilled scones on a parchment-lined baking sheet, brush the tops with milk, and bake for 20-24 minutes until golden.

Allow the scones to cool on the baking sheet for 5 minutes before serving warm.