Beat the cream cheese with an electric mixer until smooth and creamy.
Add powdered sugar, and beat to combine.
Add milk and vanilla and beat until fully incorporated and smooth.
Spread cream cheese mixture into a shallow bowl.
Add a layer of caramel sauce (2-4 tablespoons).
Top with crushed toffee bars.
Cover with plastic wrap and refrigerate until ready to serve.
When ready to serve, slice apples and arrange around dip.
To help slow the browning of the apple slices, immediately after cutting, add slices to a bowl of cool water with 1 tablespoon of lemon juice. Remove slices from lemon water (allow excess water to drain off) and serve.