MSD on Volvo question

Can someone explain how the msd works on Volvo. Is 4,500 the max you can put down and is the calculator right on how much it lowers?

The max is defined by the number of MSD, not a fixed dollar amount.

On a $400 payment with 5 MSD, it would be $2,000.

On a 60k XC40, it shows full MSD lowers payment $40/month