A three-dimensional model of a dielectric-loaded rectangular Cerenkov maser with a sheet electron beam for the beam-wave interaction is proposed. Based on this model, the hybrid-mode dispersion equation is derived with the Borgnis
potential function by using the field-matching method.Its approximate solution is obtained under the assumption of a dilute electron beam. By using the Ansoft high frequency structural simulator(HFSS) code, the electromagnetic field distribution in the interaction structure is given. Through numerical calculations, the effects of beam thickness, beam and dielectric-layer gap distance, beam voltage, and current density on the resonant growth rate are analysed in detail.