1st of all in UMTS working is WCDMA based,so carrier frequency is in 2100MHz band but can be same through out PLMN,
2ndly frequency is 3.84mhz envelope and not 5mhz,
it is different from 200khz carrier as wcdma is being used in umts.
In UMTS, frequency band is 5MHz and we have a total of 12 frequency carriers. The uplink frequency is 1910-1970 MHz and downlink frequency is 2110-2170 MHz. The chip rate for scrambling is 3.84Mcps.