Mix the 98% Fat Free Cream of Mushroom Soup with the milk until well blended.
Butter the bottom of a 2 qt baking dish.
Put aside 1/3 of the havarti cheese to place on top of the casserole.
Place an even layer of potatoes on bottom of buttered baking dish, season with small amount of salt and pepper, layer ham, onions, cheese and the soup/milk mixture. Repeat layers until all ingredients are used. Top with the remaining 1/3 of havarti cheese.
Cover the casserole and bake at 350 degrees for 60 minutes. Remove cover and bake another 15-30 minutes until potatoes are tender and top of dish is light golden brown.