So far I know after Takbir Tahrimah man needs to cross his arms below the navel but women to put their hands on their chest, keeping right over the left. If man deliberately crosses his arms above his navel after Takbir Tahrimah will his payer be in order?
بسم الله الرحمن الرحيم
(Fatwa: 394/346/L=4/1439)
It is sunnah to keep the hand below the navel in salah. However, if someone placed his hands above navel then too his salah shall be valid.
Allah knows Best!
Darul Ifta,
Darul Uloom Deoband