Lipids
LDL, HDL, and Triglycerides: your cardiovascular risk markers.
The LDL/HDL ratio tells you how your LDL cholesterol relates to your HDL cholesterol: your LDL divided by your HDL. Do not mix it up with your cholesterol ratio. That one puts total cholesterol on the top line and the NVKC gives it a limit of 5. For the LDL/HDL ratio there is no Dutch limit; the 3 that often circulates is an international rule of thumb. Two numbers, two scales, and a 4 is tidy on one and high on the other. This is also an old number that guidelines do not steer by, and a fraction hides the values it came from: two people with exactly the same ratio can carry very different amounts of LDL. So always look at the numbers underneath.
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No established reference range
There is no generally accepted Dutch reference value for the LDL/HDL ratio. The NVKC does publish a cholesterol ratio - total cholesterol divided by HDL (below 5, ideally below 3.5) - but no LDL/HDL ratio. The NHG-Standaard CVRM (2024) no longer uses a cholesterol ratio for risk assessment, looking instead at LDL- and non-HDL-cholesterol themselves. For the LDL/HDL ratio specifically there is therefore no Dutch standard we can show; we would rather state no number than one without a source. Discuss your cholesterol with your doctor, looking at your LDL, your non-HDL and, if useful, the cholesterol ratio (total/HDL).
Unit: ratio
Reference ranges may vary between laboratories. When you order a test, a BIG-registered doctor assesses your personal results in context. For treatment decisions, discuss your results with your GP.
The LDL/HDL ratio is one piece of division. On the top line sits your LDL cholesterol, the cholesterol that can accumulate in your artery wall. On the bottom line sits your HDL cholesterol, the cholesterol carried back to your liver. No extra tube of blood goes in: the lab takes two values that were already on your report and divides one by the other. With an LDL of 2.8 and an HDL of 1.4, your ratio is 2.0.
Now the point where almost everyone gets stuck. Two ratios exist in the cholesterol world, and they resemble each other only in name. Search for cholesterol ratio LDL HDL and you will see both jumbled together, and the difference sits on the top line.
The cholesterol/HDL ratio divides your total cholesterol by your HDL. That total holds everything: the LDL, the HDL itself and whatever else is circulating. So the answer comes out higher, and for that ratio the NVKC publishes a limit: below 5, and preferably below 3.5. That ratio sat in the Dutch risk tables for years. The LDL/HDL ratio puts only the LDL on the top line, so the answer comes out lower. For this ratio the NVKC publishes no limit; the 3 you often see is an international rule of thumb without a Dutch source, and that is why this page shows no reference value.
Work it through once, on one tube of blood. Total cholesterol 5.4. HDL 1.2. LDL 3.6. The cholesterol ratio is 5.4 divided by 1.2, which is 4.5. The LDL/HDL ratio is 3.6 divided by 1.2, which is 3.0. One draw, two answers a point and a half apart. So a 4 anywhere on your report is tidy on one scale and high on the other. Always check first which ratio you are looking at, and which upper limit, if any, the lab printed next to it.
Which of the two ratios should you follow? Neither, because they are not targets. The European guideline puts its goals on LDL itself, with non-HDL cholesterol and ApoB behind it, and the Dutch NHG CVRM standard steers on LDL and non-HDL. No guideline names a limit for the LDL/HDL ratio. Your doctor does not treat you on it, and you do not need to steer by it at home either.
Every fraction leaks: afterwards you can no longer see which two numbers went into it. That sounds abstract, so do the sums with me. Anna has an LDL of 3.0 and an HDL of 1.0; divide 3.0 by 1.0 and you land on 3.0. Bram has an LDL of 4.5 and an HDL of 1.5; divide 4.5 by 1.5 and you land on 3.0 as well. On paper the two reports say exactly the same thing. Now put the LDL values side by side: 4.5 against 3.0, a gap of 1.5 mmol/l. Bram walks around with half again as much harmful cholesterol as Anna, while their ratio matches to the decimal. His higher HDL wiped that gap out inside the division, and what can pile up in your artery wall over the years is that absolute LDL value.
The cholesterol ratio pulls the same trick: there too the separate values vanish into one answer. The LDL/HDL ratio breaks on a second point as well. Particles that are neither LDL nor HDL count nowhere. Think of VLDL and the leftovers that remain once VLDL has released its fat. Those carry cholesterol into the artery wall too. With high triglycerides you have more of them, and that is exactly when this number shows you the least.
So what should you use? Look at your LDL in mmol/l. If non-HDL cholesterol is on your report, let it weigh more than any ratio. You work non-HDL out like this: total cholesterol minus HDL. Everything that can do damage sits in there, including the particles this ratio skips. And if ApoB is listed, that counts the number of harmful particles rather than their cargo.
There is also no limit that fits everyone at once. What counts as an acceptable LDL depends on your age, your blood pressure, smoking, diabetes and what runs in your family. So discuss it with a doctor.
You do not order this number on its own. It falls out of a cholesterol panel automatically, as soon as the LDL and the HDL are known. So the real question is when you have such a panel taken, and under what conditions.
Fasting counts for more here than you would think. For total cholesterol and HDL, eating barely matters. But in most labs your LDL is not measured, it is estimated from your triglycerides, and triglycerides rise after a meal. The estimated LDL then comes out too low, which makes your ratio look prettier than it is. Above roughly 4.5 mmol/l of triglycerides that estimate stops working altogether. This is the cholesterol ratio's biggest advantage in one line: it uses two values the lab measures directly, so it does not have that problem.
Also wait a few weeks after surgery, a heavy infection or a heart attack. Your cholesterol dips temporarily in that period, and the result then paints a rosier picture than your usual situation.
If you compare two results, allow for noise. Total cholesterol and LDL swing day to day by some five to ten percent, triglycerides by twenty to twenty-five percent. A small difference therefore usually means nothing.
If your result is new and abnormal, look for a cause before you blame your diet. An underactive thyroid raises LDL and is often overlooked, so have your TSH checked as well. Poorly controlled diabetes, kidney disease, liver disease, cholestasis, heavy drinking, pregnancy and a range of medicines, such as prednisone, oestrogen in tablet form, isotretinoin, diuretics, beta blockers and anabolic steroids, can equally explain the picture. Always take your result to a doctor, together with your individual values.
You notice nothing from a low LDL/HDL ratio. Cholesterol gives no signal, whatever proportion it swims around in. So there are no complaints that belong to a low value, and in itself a low ratio is good news.
Two things are still worth knowing. First: check that you are reading the right scale. A 2.5 is tidy on this scale, but anyone holding it up against the limit of 5 that belongs to the cholesterol ratio will wrongly think they have room to spare. Second: a low answer sometimes appears for reasons that do you no good. A non-fasting draw or high triglycerides push the calculated LDL down artificially. Alcohol raises your HDL and so shrinks the fraction, without anything about your health improving. And after an infection or an operation your cholesterol dips by itself for a while.
A tidy ratio with a high LDL behind it is therefore no green light. Pull up the individual values and let a doctor look at the whole picture.
A high LDL/HDL ratio is just as unnoticeable. Atherosclerosis runs silently for years: no pain, no fatigue, no warning up front. Whatever you do notice belongs to the cause underneath.
Here too, check first that you are reading the right scale. A 4 is high for the LDL/HDL ratio, while that same 4 still stays under the NVKC limit of 5 for the cholesterol ratio. Plenty of people take fright at a number that actually belongs to the other ratio.
If the scale is right, there are three possibilities: a high LDL, a low HDL, or both at once. A high LDL is far from always about food. An underactive thyroid, poorly controlled diabetes, kidney or liver disease, cholestasis, pregnancy and a number of medicines can sit behind it. A low HDL often goes together with smoking, with high triglycerides and with anabolic steroids.
A high ratio is therefore no diagnosis and no proof of cardiovascular disease. It is a reason to pull up the individual values and discuss them with a doctor, who weighs your whole risk profile.
Tip one: do not chase the number itself. A fraction can be made prettier in two ways, and the easier of the two changes nothing about the amount of harmful cholesterol in your blood. Push your HDL up and both of your ratios drop obligingly, while your LDL has not shifted a millimetre. In large trials of agents that specifically raise HDL, exactly that happened: HDL went up and risk stayed put. So steer by your LDL, and by non-HDL or ApoB as soon as they appear on your report.
What genuinely lowers LDL is well known and fairly boring: less saturated and trans fat, more fibre from wholegrain products, pulses, vegetables and fruit, a healthy weight, daily movement and no smoking. Quitting smoking also raises your HDL, and that is one of the few steps where the number and your health move in the same direction.
Alcohol does not belong on that list. It raises your HDL and makes the ratio look better, but it drives your triglycerides up at the same time and does not improve your profile.
If you track your values over time, always test at the same lab and under the same conditions, and compare like with like: LDL/HDL next to LDL/HDL, never next to last year's cholesterol ratio. Otherwise you see a jump that lives purely in the arithmetic.
And never start, stop or change a cholesterol-lowering medicine yourself on the basis of a result you ordered yourself. That conversation belongs with your doctor.
That depends on which ratio you mean, and that is where it often goes wrong. For the cholesterol/HDL ratio the NVKC gives a limit of 5, and preferably below 3.5. For the LDL/HDL ratio there is no Dutch limit; the 3 that is often quoted is an international rule of thumb without a source. So look first at which ratio is on your report, and bear in mind that no guideline steers by either.
Look at the values underneath. If an LDL and an HDL are listed, divide one by the other and see whether you land on the same answer. If it does not match, try total cholesterol divided by HDL. A printed upper limit gives it away too: around 5 belongs to the cholesterol ratio. Still unsure, ask your doctor or the lab.
The cholesterol/HDL ratio. Both values in it are measured directly and barely change after a meal. The LDL/HDL ratio leans on an LDL that is usually calculated from your triglycerides, and that calculation falls apart with high triglycerides or a non-fasting draw. Even so, the answer stays the same: non-HDL cholesterol or ApoB tell you more than both ratios put together.
From that one answer alone it cannot be done; you need the individual values. With your total cholesterol and your HDL you work the cholesterol ratio out yourself: total divided by HDL. Without that total it is impossible, because the LDL/HDL ratio holds no information at all about the particles outside LDL and HDL. They are two scales without a conversion factor.
The Dutch risk tables worked for years with the proportion between total cholesterol and HDL. The newer tables use non-HDL cholesterol instead. The LDL/HDL ratio has never appeared in them. If you meet it on your report, that is because it is calculated from two values already determined, and no treatment decision rests on it. Your doctor makes that call.
Then your HDL differs. Women have a higher HDL on average, and a bigger number on the bottom line makes the answer smaller at exactly the same LDL. The rule of thumb of 3 applies to everyone equally, so in practice it works out stricter for men. Comparing therefore says little. Your own LDL over time tells you a great deal more.
This marker is included in the following test panels.
LDL, HDL, and Triglycerides: your cardiovascular risk markers.
Key health markers: small blood count, lipids and vitamin D.
A 7-biomarker heart health panel inspired by InsideTracker's Heart Health category — ApoB, the full cholesterol profile, triglycerides, hs-CRP and TSH behind your heart score.
An 11-biomarker metabolism panel inspired by InsideTracker's Metabolism category — blood sugar, insulin, HOMA-IR, the full lipid profile, ALT and TSH behind your metabolism score.
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Dr. Naimi oversees the medical standards behind our content and assessments.
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Every result includes a professional assessment from a BIG-registered doctor. For treatment decisions, discuss your results with your GP.
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