To evaluate specific absorption rate (SAR) in HF band using reference antenna method, dielectric-coated and shielded loop antenna operated in the liquid can be used. It is found that the electric and magnetic field intensity in the near-field region of the reference antenna behave like corresponding far-field if the near-field gain have a plateau as a function of the distance from the antenna. To simulate the perimeter of the loop with a plateau in its near-field gain using Richmond's method of moments, the dielectric property of the cylindrically dielectric shell should be well given by using Lichtenecker's logarithmic mixture law if the dielectric shell is made of heat-shrinkable tube.