Pinch analysis is vital in optimizing heat exchanger networks (HENs). Targeting methods are used when determining cost effectiveness with pinch analysis. However, the existing targeting methods for the capital cost of HEN are not suitable for wide application scenarios. Therefore, we developed a high-accuracy general capital-cost-targeting method. It is built on a final structure that was evolved from the spaghetti structure of HEN through four loop elimination stages. This structure helps to reduce the prediction deviation of the method. To achieve high adaptability while establishing this method, we considered the different heat exchanger cost categories, different cost laws for one stream pair, and area limitations of heat exchangers that may be encountered in practice. In addition, allowing streams to use individual temperature difference contributions enhances the method’s predictive capacity. The potential defects of the method found in numerical experiments and case studies were corrected with improvement measures. As a result, the accuracy and stability of the targeting method were further enhanced, with absolute target deviations generally within 10% and often within 5%. This study provides a benchmark for the optimal capital cost of HEN, allowing for a better economic effect when applying pinch analysis.