In the bowl of a mixer that is fitted with a dough hook, combine the egg, water, honey, and yeast.
Then, the 3 cups of bread flour, oil (I use extra virgin olive oil), and salt.
Turn on the mixer and let it begin mixing. Add a little flour at a time, up to an additional half cup, until a nice soft dough begins to form. You will mix this a total of about 12 minutes.
Let the dough rise in a warm location until doubled in size.
Grease and flour a 9×13 baking pan.
Spread the dough in the bottom of the pan.
Cover this with a light towel and place it in a warm place to rise. A great place would be your oven with the oven light on. It creates just enough warmth for the dough to rise without being too warm.
After the dough has doubled in size (about an hour) combine the milk and nutmeg (fresh is ideal).
Set that aside for just a moment.
Core and slice up the apple. Use whatever kind of apple you like to bake with or have handy. I used a Red Delicious.
Lay the slices along the top of the dough.
Take a brush and brush the milk mixture all over the top.
In a small dish, combine the granulated sugar, brown sugar, flour, cinnamon, and allspice.
Mix it well.
Sprinkle this all over the top of the apples.
Finally, take the tablespoon of cold butter and cut it up into as many little pieces as you can.
Place them all over the top.
Bake for 15 minutes and then reduce the heat to 350 degrees and bake it for 15 more minutes, or until the edges of the bread are golden. This will not be dry on top, so don’t wait for it to be dry or you will overcook it.