Hello
Thank you for your question and reaching out. I can understand you are having issues related to Windows defender detected HTML/Phish.refb!MTB in vhd file.
First of all please take back up of existing .vhdx file to avoid Defender to delete or quarantine the file.
Then do the FULL scan to remove this infection from vhdx and see if Defender can heal it without deleting the vhdx file.
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