For the scones:
Preheat the oven to 425 degrees.
In a large bowl, combine flour, baking powder, salt, and sugar.
With a pastry blender or fingers, add butter to dry ingredients. Combine until it resembles coarse crumbs.
In another small bowl, combine milk, egg, and vanilla. Add wet ingredients to dry along with chocolate chips in batches until mixture clings together and forms a soft dough.
Flour the surface and knead bread gently 5 or 6 times. Then roll dough into a 7 inch round. Use a heart shaped cookie cutter, cut out 8 (or more depending on dough).
Place on a baking sheet sprayed with non-stick cooking spray. Bake for about 16 minutes or until golden brown. Remove from the oven and let cool slightly. Spread chocolate ganache on top and top with toasted coconut.
For the ganache:
In a medium saucepan, melt chocolate chips and cream over medium heat. Stir to combine and set aside.