I do not have an XD to try, but depending on which version you have, it should be dimensionally similar to my g17 pictured, which fits well.
The chest diameter is adjustable with the nylon strap and should fit you unless you play guard for the Green Bay packers. The height is adjustable by reconfiguring the screws in the shoulder strap as well.
https://m.youtube.com/watch?v=ht3RiLACqZY