Actually, chrisnet, you're not too far off there. That's how multidimensional arrays are stored in memory. You have pretty much figured out how to do multidimensional arrays of structures using multiple single dimensional arrays.
But C++, and even C, have structures and multidimensional arrays to make it easier. You don't need to use structures, though. You can use 3 arrays. Here's the syntax:
byte varTimerZR[27][16];
byte varTimerZHour[27][16];
byte varTimerZMin[27][16];
for (int x=0; x<27; x++){
varTimerZR[x][T] = varR;
varTimerZHour[x][T] = H;
varTimerZMin[x][T] = M;
}
I hope you're not using an UNO, though. You'll run out of memory.