THD tends to become audible at about .1% with midrange test tones. This tends to be dependent upon the individual. Some people are more sensitive to it that others.
With music, I would say that it needs to reach 1%-2% in the midrange for most to deem it audible.
Bass frequencies tend to be harder to hear distortion with, since our hearing is not as accute there. THD is said to be able to reach near 10% before it is audible below 80hz or so.