Let me get this straight.
* He screwed his own thugs in the bank scene.
* He was teasing the mob telling them he wants the money.
* He was making up stories of how he got the scars.
* He switched the location of Rachel and Dent.
Now, these events are all well before the scene you had an issue with.
So the Joker was already shown lying to his thugs, manipulating everyone else for his own needs and yet you have an issue with "Do I look like a guy with a plan"?
Let's now forget well established fact that the Joker is a known liar both in the comics and this FILM, and focus on more philosophical side of that quote.
The Joker was obviously talking about the system and people like Dent and Gordon who have plans. "They are schemers".
Basically saying that if things don't go according to "the plan" they envisioned, they don't know what to do.
Guy like the Joker doesn't care what happens if things don't go his way.
He doesn't share their optimism because all he sees is the absurdity of life.
He laughs at their attempt to control things. It's all consistent with Ra's quote: "Create enough hunger and everyone becomes criminal"
So clearly when he's talking about "a guy with a plan", he's manipulating Dent to see the consequences of their plan.
Sure, the Joker had to plan all those things to set his "plan" in motion.
But it wasn't that plan he was talking about in that quote.
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