The datasheet for PCI-485/8 (http://www.ni.com/pdf/products/us/3ser704-706.pdf) says the maximum transfer rate is 460 kb/s.
RS-485 and RS-422 are electrically compatible, but RS-485 is bi-directional and half-duplex (you can't transmit and receive at the same time). Rs-422 is uni-directional (it uses separate transmit and receive lines) and is typically implimented as full-duplex: you can transmit and receive at the same time.