It has been suggested that the Z-mode instability driven by energetic electrons with a loss-cone type velocity distribution is one candidate process behind the continuum and zebra pattern of solar type-IV radio bursts. Both the temperature of background plasma (T 0 ) and the energy of energetic electrons (v e ) are considered to be important to the variation of the maximum growth rate (γ max ). Here we present a detailed parameter study on the effect of T 0 and v e , within a regime of the frequency ratio (10 ≤ ω pe Ω ce ≤ 30). In addition to γ max , we also analyze the effect on the corresponding wave frequency (ω r max ) and propagation angle (θ max ). We find that (1) γ max in-general decreases with increasing v e , while its variation with T 0 is more complex depending on the exact value of v e ; (2) with increasing T 0 and v e , ω r max presents step-wise profiles with jumps separated by gradual or very-weak variations, and due to the warm-plasma effect on the wave dispersion relation ω r max can vary within the hybrid band (the harmonic band containing the upper hybrid frequency) and the band higher; (3) the propagation is either perpendicular or quasi-perpendicular, and θ max presents variations in line with those of ω r max , as constrained by the resonance condition. We also examine the profiles of γ max with ω pe Ω ce for different combinations of T 0 and v e to clarify some earlier calculations which show inconsistent results.