Mix the flours and desiccated coconut, then add the egg, lime juice & zest and milk. Blend or mix until you get a thick but pourable mixture. Add the oil and more milk, if needed.
Lightly grease a pancake pan.
When the pan is hot, drop several (small) ladlefuls of batter, letting them spread out into circular shapes. Cook for a couple of minutes until the surface is no longer runny. Carefully flip them over and cook for another minute or so, until light brown.
Transfer them to a plate and make more pancakes with the remaining batter.
Serve warm with desiccated coconut scattered over the top - and drizzled with lime juice.