T/O Inhibit is active in flight phases 3,4 and 5. Phase 3 starts when the 1st engine reaches T/O power (Flex/TOGA). It's not linked to a groundsped. The move between phases 3 and 4 is linked to 80Kts. (FCOM 1.31)
You will get a config warning well, well before V1 unless the config prob actually develops somehow during the T/O roll rather than exisiting at the time of the start of the roll.