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Place steel cut oats in a large bowl and cover with the two cups of boiling water. Let sit uncovered at room temperature for 2 hours. Stir once half way through.
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Preheat oven to 350 degrees.
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In a medium bowl, sift flour, baking powder, cinnamon, and salt.
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In a small microwave safe bowl, melt butter and honey then stir into bowl with oats.
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Beat egg into milk and alternately add milk mixture and flour mixture to large bowl with oats stirring with a wooden spoon as you add each. Do not over mix, just mix to combine wet into dry. Fold in diced apple pieces.
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Generously spray two standard size loaf pans (8X5) with non-stick cooking spray and scrape the dough into the pan, using half the batter for each. Using a spatula, smooth out the top then place in oven for 70 minutes (one hour and ten minutes), or until a tooth pick inserted in center comes out clean. The dough is dense so we recommend leaving in for the full 70 minutes.
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As soon as the bread comes out of the oven, remove from pan and cool on a wire rack to cool completely.
Slice and serve with additional drizzled honey.