When you hit LT, it's usually fairly noticeable. There's a marked increase in respiration and the general feeling that you are on borrowed time at this pace.
You can do a Conconi test: On a 400m track (or treadmill), start off easy and increase the pace by 15sec/mile every 400. Keep track of your hr at the end of each lap (1-2min on the treadmill). When you graph hr vs speed there should be an "elbow" in the curve where hr increases much faster than speed. That is your LT.
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