If you want 360 panoramas for online displaying then resolution isnt very important. A 360x180 equirectangular pano probably wont be bigger than 4000x2000px for online use. If your panos will be mostly viewed by Telkom users, then even less, probably 2000x1000px or less.
If you can capture the whole image on your sensor then obviously that image will be smaller, and so lower resolution. Capturing as much as possible in one shot is important for high-activity scenes, like standing amongst people on the sidewalk. Obviously these scenes are a big problem if you need them high resolution, then you need a smaller field-of-view lens and need to take more shots, during which people move and all hell breaks loose. You mentioned "shop interiors, houses" dont worry about whole-circle-on-sensor-or-cropped there, just get a sharp lens with as little chromatic aberration around edges as possible, since the number of shots in these static scenes doesnt really matter. At least I would prefer to have to shoot e.g. 7 shots with a cropped circle but a nice sharp lens with no CA, than only 3 shots but with a lens that is much more expensive and has worse quality around edges.
Wanting HDR images doesnt complicate your choice of lense at all, just youre choice of camera. As Mediavets mentioned, you need a camera that is able to automatically bracket 3 or 5 shots by 2EV preferably with only 1 push of the button, so check this carefully before buying. See http://hdr-photography.com/aeb.html
If you need to push the button several times to bracket then it will take you longer than if the camera did it automatically, and as a result more things in the scene will change between shots.
As for your panohead, if you want cheap, order the Panosaurus for 76USD online, cheapest panohead I know of, fits a wide range of camera/lens combinations. Only real downside is that you need to screw the camera on instead of clipping it on. If you can afford it, I would recommend that you get a panohead that lets you clip the camera on, much faster to set up.
Lastly, my condolences, because when I imagine you sending a high resolution, or even a low resolution, pano over the internet using Telkom's primitive cables... suicide seems more appealing ;]