Combine baking mix, 3 1/2 tablespoons cinnamon sugar, and ginger in a bowl; make a well in center of mixture. Combine milk and next 3 ingredients, stirring well. Add milk mixture to dry ingredients, stirring just until dry ingredients are moistened.
Spoon batter into muffin pans coated with cooking spray, filling one-half full; sprinkle remaining 1 1/2 teaspoons cinnamon sugar over batter. Bake at 400° for 12 minutes. Remove from pans immediately.