I think it's basic physics - to begin with the water entering the boiler is at a temperature similar to the house - the boiler can pass on to it enough heat energy to satisfy your hot water need.
When you come to top-up - the relatively warmer water has passed through the boiler's heat exchanger - colder water from the lower depths outside passes through but at the rate of flow your tap demands there is not enough time to warm it sufficiently.
I suspect that when you come to top-up that if you reduced the flow to a trickle then it will be warmer - the temperature dependent on how much the tap is opened.
But this is conjecture - I just guess.
Others may have better ideas.
I have a hot water storage tank and do not suffer this problem
Good Luck...
May 2016