Need help on a bit of an annoying %/IF function formula

Bit of a noob here - looking for a single formula for:

IF Column H="0" then insert value of column E into column J. AND IF Column H="1" then take 5% off column E and insert result into column J

Any help would be AMAZING, thank you

=IF(H1=0,E1,IF(H1=1,E1*0.95,0))
in J1.

Thank you!