1:9 is 90% magical balance
86% is 1:5
anyway, for a 1:4- 1:5 int hybrid fire is better, because you the phs. attack buff helps you use the str balance and the magical defence buff helps make up for the defence you lost for not taking more int
if you plan on going with light it'd be worth going full int the next couple of levels to take advantage of the magical attack buff and maximize your damage.
a 1:6-1:9 hybrid would be best for this build
ps:
but why do you feel like fire isn't suitable for you?