Heart rates are individual and so are target heart rates. You do not do a treadmill at home to reach your target heart rates. That could be dangerous without medical supervision
If you have no medical problem (which I assume from the fact that you exercise regularly) then doing the treadmill
- at a pace that is comfortable to you
- does NOT cause UNCOMFORTABLE breathlessness
- DOES NOT CAUSE A FAINTING
- DOES NOT CAUSE CHEST DISCOMFORT
for 10 minutes a day -then you are OK.
However I do STRONGLY suggest that at your age esp if you are of South Asian descent a check up with your doctor is mandatory before embarking on an exercise schedule.