Thanks for the question,
It would be difficult to give you precise numbers on this and what the risks would be to you in the case you did want to conceive with your husband. What I can tell you is that the most important aspect of whether the baby is born HIV positive is the MOTHER's HIV status. That said, you being negative is a good thing, because its the mother's blood that directly supplies the baby while s/he is growing in your womb. If you were HIV positive, medications could be given that would reduce the baby's chances of contracting HIV to almost zero! Its practically unheard of that babies are born HIV positive when the mother is HIV positive nowadays.
So you have a couple of options:
1. You could try to conceive the natural way, which some couples do when the father is positive and mother negative, but the primary issue is whether you contract the virus from that encounter. The fact that your husband is undetectable is a great thing in this scenario, and some couples have done this without mother or baby contracting the virus. If you have already been having sex without a condom with your husband, and you're still negative, this may be a good sign that you can do this without putting yourself or your baby at risk.
2. You could pursue sperm washing, which costs about $1000 and you would have to go to a special fertility clinic for that.
Two links I want to give you: the first is an article from poz.com about this very topic:
http://www.poz.com/articles/hiv_pregnancy_sperm_washing_401_13613.shtml The second is for the American Fertility Association:
http://www.theafa.org/ Their phone number is
(888) 917-3777 and they provide counseling and suggestions for resources for situations like yours. It may be dependent upon where you live in the country what is available to you. Good luck, I hope this info helps, and please let us know how it turns out regardless! You are right that your husband's status should not stop you from conceiving, you just have to get plugged in to the right people. David