A hot-dip galvanized steel sheet having a chemical composition consisting of by mass %: C: 0.05 % to 0.12 %; Si: 0.20 % to 0.90 %; Mn: 1.0 % to 1.9 %; P: 0.005 % to 0.10 %; S: 0.0005 % to 0.0050 %; Al: 0.01 % to 0.05 %; N: 0.0050 % or less; Nb: 0.010 % to less than 0.050 %; optionally at least one element selected from: Ti: 0.10 % or less; V: 0.10 % or less; Cr: 0.50 % or less; Mo: 0.50 % or less; Cu: 0.50 % or less; Ni: 0.50 % or less; B: 0.0030 % or less; Ca: 0.001 % to 0.005 %; REM: 0.001 % to 0.005 %; Sb: 0.01 % or less; Sn: 0.1 % or less; Zn: 0.01 % or less, and Co: 0.1 % or less, and the balance being Fe and incidental impurities, wherein the steel sheet has a complex phase that consists of: ferrite having an average crystal grain size of 15 μm or less excluding 4 μm or less to at least 90 % in volume fraction; martensite having an average crystal grain size of 3.0 μm or less to 0.5 % or more and less than 5.0 % in volume fraction; pearlite 0.5 % to 5.0 % in volume fraction; and the balance being a phase generated at low temperature being at least one selected from bainite, retained austenite, and spheroidized cementite, which is less than 5.0 % in total in volume fraction, wherein the steel sheet further contains Nb-based precipitates having an average grain diameter of 0.10 μm or less, and wherein the steel sheet has a yield ratio of at least 70 %, a tensile strength of at least 590 MPa and a total elongation of at least of 26.5 % which are measured by a tensile test in accordance with JIS Z2241 , and a hole expansion ratio of at least 60 %. C: 0.05 % to 0.12 %; Si: 0.20 % to 0.90 %; Mn: 1.0 % to 1.9 %; P: 0.005 % to 0.10 %; S: 0.0005 % to 0.0050 %; Al: 0.01 % to 0.05 %; N: 0.0050 % or less; Nb: 0.010 % to less than 0.050 %; Ti: 0.10 % or less; V: 0.10 % or less; Cr: 0.50 % or less; Mo: 0.50 % or less; Cu: 0.50 % or less; Ni: 0.50 % or less; B: 0.0030 % or less; Ca: 0.001 % to 0.005 %; REM: 0.001 % to 0.005 %; Sb: 0.01 % or less; Sn: 0.1 % or less; Zn: 0.01 % or less, and Co: 0.1 % or less, and the balance being Fe and incidental impurities, wherein the steel sheet has a complex phase that consists of: ferrite having an average crystal grain size of 15 μm or less excluding 4 μm or less to at least 90 % in volume fraction; martensite having an average crystal grain size of 3.0 μm or less to 0.5 % or more and less than 5.0 % in volume fraction; pearlite 0.5 % to 5.0 % in volume fraction; and the balance being a phase generated at low temperature being at least one selected from bainite, retained austenite, and spheroidized cementite, which is less than 5.0 % in total in volume fraction, ferrite having an average crystal grain size of 15 μm or less excluding 4 μm or less to at least 90 % in volume fraction; martensite having an average crystal grain size of 3.0 μm or less to 0.5 % or more and less than 5.0 % in volume fraction; pearlite 0.5 % to 5.0 % in volume fraction; and the balance being a phase generated at low temperature being at least one selected from bainite, retained austenite, and spheroidized cementite, which is less than 5.0 % in total in volume fraction, wherein the steel sheet further contains Nb-based precipitates having an average grain diameter of 0.10 μm or less, and wherein the steel sheet has a yield ratio of at least 70 %, a tensile strength of at least 590 MPa and a total elongation of at least of 26.5 % which are measured by a tensile test in accordance with JIS Z2241 , and a hole expansion ratio of at least 60 %. <EOS>