To calculate your cholesterol ratio, divide your high-density lipoprotein (HDL, or “good”) cholesterol number into your total cholesterol number (HDL/total). An optimal ratio is less than 3.5-to-1. A higher ratio means a higher risk of heart disease. The normal levels of cholesterol ratios for total cholesterol to HDL should be below 4 as a general rule for both men and women. However a very good ratio is 3.5, excellent is 3.0 and fantastic is 2.6. If you can get your ratio down between 2.4 and 2.8, you can actually experience a reversal of heart disease.