The most important property to consider when estimating the strength of a hydrogen bond is indeed the difference in electronegativities between H and N, H and O and H and F.
Another very important consideration is to realize that hydrogen bonds involve the hydrogen atom of one molecule and a lone pair of electrons on the N, O or F of another molecule. Thus you need to consider the number of hydrogen atoms in a molecule as well as the number of lone pairs of electrons on the attached atom (N, O or F). This will lead you to predict the extent of hydrogen bonding possible within a substance.
Apply both of these ideas to NH3, H2O and HF, and all should come clear.