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This is more of an english question but sounds like a computing question. The rule of "an" and "a" is that an refers to vowels, so "an apple", "an elephant". The rule of using "a" is for consonants, so, "a table", "a tree". So why when talking about a HTML document do they say "an HTML"? Is...

I was wondering why I always see "an HTML document" on the web instead of "a document". Surely the use of an or a is dictated by the first letter of the next word? For example "a table" or "an apple". Is this usage wrong? If not, why not?