On this page you will find four end games composed along the theme ‘One man against the whole army’. (Source: xiangqi syllabi for primary pupils compiled by Prof Huang ShaoLong.)
If on move 20/27 , Black plays P+=5, then after R8=6, the Chariot is able to guard the entire second rank, forcing a draw.
Black may sacrifice his two Chariots in another way, but must ensure that the opposing King is forced to the palace top corner so that his Horse can get into play with H1+3.
Black will never be able to free his clumsy Horse in the palace centre. Draw.
On the last move, Red obviously should not capture the poisonous Elephant.