I'm not sure I understand you correctly. You say you don't want to call an include via php, but your iframes load php-files. Do you want to replace them with html-files?
Anyhow, including a menu via a iframe loading it, is not a good idea, because the iframe is too 'narrow' for the expanding menu.
You can use jquery-ajax for loading external files into a div. For instance, if your div has id="menu", you can load an external file (which might be named http://ktwin.com/ap_index_header.html) into it by just putting the following script immediately before the closing body tag
Code:
<script>
function load_menu()
{
$('#menu').load('http://ktwin.com/ap_index_header.html')
}
load_menu()
</script>
(But this will only work if http://ktwin.com/ap_index_header.html belongs to your own domain, and if you have this in the head section of your page:
Code:
<script src="http://code.jquery.com/jquery-1.10.2.js"></script>
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