fork download
<?php

$menus = [
    0 => [
        'menu' => [
            'href' => '/product',
            'menu' => 'Produtos'
        ]
    ],
    1 => [
        'menu' => [
            'href' => '/category',
            'menu' => 'Categorias'
        ]
    ],
    2 => [
        'menu' => [
            'href' => '/user',
            'menu' => 'Usuários'
        ]
    ]
];

$quantidade = count($menus);
$menus[$quantidade-1]['submenu'] = [
    'menu' => [
        'href' => '/user/list',
        'menu' => 'Todos Usuários'
    ]
];

print_r($menus);
Success #stdin #stdout 0.01s 82880KB
stdin
Standard input is empty
stdout
Array
(
    [0] => Array
        (
            [menu] => Array
                (
                    [href] => /product
                    [menu] => Produtos
                )

        )

    [1] => Array
        (
            [menu] => Array
                (
                    [href] => /category
                    [menu] => Categorias
                )

        )

    [2] => Array
        (
            [menu] => Array
                (
                    [href] => /user
                    [menu] => Usuários
                )

            [submenu] => Array
                (
                    [menu] => Array
                        (
                            [href] => /user/list
                            [menu] => Todos Usuários
                        )

                )

        )

)