That's a general guideline. I believe that's your target heart rate, a zone that allows you maximim conditioning, and a rate that you shoukd be able to maintain for a period of time. Years ago, I was a highly trained amateur athlete, and I could get my heart rate above 200 during "full smoke" sprints of short duration. So I wouldn't let that guideline influence you. But I would add that the return to normal respiration shouuld be a ramp down process. If your breathing return slows, but your heart rate is still banging away, then that should be something that you'd want to have looked at.
Correction male HR is 205-half age from what I've learnt at uni