(Advice Needed) Should I Allow Him To Deflower Me?

I am 21 and my boyfriend is 24. We have been dating for 2 years. We love each other very much and I have introduced him to my family and he introduced me to his. I am a virgin and we agreed that when I turn 21 (which was last week) that he is going to break my virginity but I don’t think I am ready yet. Lately he has been happy and telling me that he can’t wait to see me and for us to “bond” (haven’t seen him since my birthday). I really don’t want to disappoint him because I know he loves me and I love him very much. How do I let him know that I am still not ready without hurting his feelings or should I just let him break my virginity because I love him so much and I don’t want him to think I have been leading him on with false hope.