Most Helpful Girl
Hmm. I never thought about it. It just comes naturally for my boyfriend when he hugs me. I am shorter and I reach up around his neck. His hands are usually around my waist, just above or on my bum or his arms will be up and on my head and in my hair holding me to his chest (if he is not kissing me).
Most Helpful Guy
Her arms go around your torso, yours go above hers around her upper back/shoulder area.
Or, you pick her up, place her on top of a curb, and have yourself an eye-to-eye hugfest.