Spray 9 1/2-inch deep-dish glass pie plate with cooking spray. Arrange bread cubes in bottom of pie plate. Spoon apples evenly over bread; sprinkle with ham and cheese.
In medium bowl, beat eggs, half-and-half and pepper with wire whisk until well blended. Carefully pour over apples, ham and cheese. Cover; refrigerate at least 6 hours or overnight.
Heat oven to 350°F. Bake uncovered 40 to 45 minutes or until top is lightly browned and center is set. Let stand 10 to 15 minutes before serving.