Just remember the old axiom: Expose for the shadows, develop for the highlights. You should place the shadows wherever you want them on the tonal scale, then meter the highlights and adjust development to keep the tonal range between their visual density and the shadows such that it prints on your paper. It sounds from you example that you have an N+2 situation. Just meter normally and develop for N+2.
Chris Johnson's book, The Practical Zone System recommends these times:
T-Max 400 (rated at 200) HC-110 Dilution B 1:7 from stock -
N= 6 minutes
N+1= 8.5 minutes
N+2= 12 minutes