I think a nice wrapper for the SoftAP functionality is in the feature queue, but I’m not sure when that’ll be released. In the meantime you could use another low-cost device to host the access point, and then host a tiny web server on the photon there?
If you can get an AP for under $20 I think you’re doing pretty well. I think the Photon will be able to support hosting tiny access-points at some point, so that becomes the cheapest option eventually.